First-Time Home Buyers

When it comes to purchasing your first home, there are many different options, and we'll make sure you get the best for your circumstances!

What to Expect

For a first-time buyer, the purchase of a home doesn’t have to be an overwhelming experience. While there is a lot to do, one of your very first steps should be to get qualified for a loan. This will save you time and put you in a better negotiating position.

Until you get qualified, you really don’t know how much of a house you can afford. Once you know, you can narrow down the choices of neighborhoods and house size. And, good real estate agents will want to know how much you can afford so they can help you quickly focus on homes in your price range.

Qualifying for a Loan

Getting qualified doesn’t have to take a lot of time. But, be careful. If you go to a bank, you are not dealing with the person who can approve your loan. They are usually very friendly, but don’t have the experience or authority to approve your loan. They can say you are qualified, but until your application is approved by the central office, you don’t have the loan.

Because of my many years in the business, I know the rules the lenders use. When I qualify you, you can have confidence that you will get the loan. In fact, I’ve never had a person I qualify be turned down for a loan.

If you want to see how much you qualify for, give me a call. I’d be happy to go through the numbers and work out ways that you can get the house you want. As a loan broker, I have a wide variety of loan programs from many lenders that I can access. I do the shopping for you. We’ll work out a comfortable choice of down payment and monthly payments for your new home.

Give me a call. Let’s talk about your situation. I’ll give you the straight story. And, if you don’t quite qualify for what you want, we’ll work out a plan to get you there.

Here’s my phone number. It comes right to me: 818-640-1061. (I do get a lot of calls, so if you get my voice mail, don’t worry, you can leave a personal message 24/7. I call everyone back as soon as possible. If you have a preferred time for me to call you back, let me know, or send me an email.)

Note: To qualify you, I use the information you give me, which must be valid.

It's a Simple Process

We'll guide you along the entire way. We value the relationship and want to ensure your experience is a cut above.

Preparation

Pre-Approval

House Hunting

Lock & Appraise

Underwriting

Closing Time

Preparation

Welcome to the exciting journey of becoming a first-time homebuyer! The first step in your home buying journey is preparation. In this stage, we'll help you lay the groundwork for a successful home buying experience. From assessing your financial readiness to setting realistic expectations and establishing your home buying criteria, we'll guide you through the essential steps to ensure you're well-prepared to take the plunge into homeownership.

Pre-Approval

In the pre-approval stage, we'll help you secure financing by obtaining a mortgage pre-approval. With a pre-approval letter in hand, you'll gain a competitive edge in the home buying market and demonstrate to sellers that you're a serious and qualified buyer. Our team of mortgage experts will work closely with you to explore your financing options, determine your budget, and streamline the pre-approval process, making your home buying journey as smooth and stress-free as possible.

House Hunting

Once you have your pre-approval letter, let the housing hunting begin! At this stage of the game, you've possibly already found some homes that you are interested in or are working with your agent on finding the perfect home that suits your needs!

Lock & Appraise

You've found your home, and now it's time to secure your financing and move one step closer to closing. In the lock and appraise stage, we'll help you lock in your mortgage interest rate and complete the home appraisal process. Our team of mortgage professionals will guide you through the necessary paperwork, coordinate with the appraiser, and ensure that all requirements are met to finalize your loan approval. With our expertise and attention to detail, you can rest assured that your financing is on track, and you're one step closer to making your dream home a reality.

Underwriting

In this critical phase, our team will work diligently behind the scenes to finalize your mortgage loan and prepare for closing. Our underwriters will carefully review your financial documents, verify your employment and income, and assess the property's value to ensure compliance with lending guidelines. While underwriting may seem daunting, our experienced team will guide you through the process, address any questions or concerns, and keep you informed every step of the way, so you can approach closing with confidence and peace of mind.

Closing Time

The moment you've been waiting for has arrived – it's closing time! In this final stage of your home buying journey, you'll sign the necessary paperwork, pay closing costs, and officially take ownership of your new home. Our team will coordinate with all parties involved, including the title company, escrow agent, and lender, to ensure a smooth and seamless closing process. As you embark on this exciting new chapter in your life, we'll be here to celebrate with you and provide ongoing support as you settle into your new home. Congratulations on achieving your dream of homeownership!

My fiancé and I were first time home buyers and were brought to David through Yelp and his great reviews. After working with David, it is clear why he is so highly rated and we wanted to add our own experience and thanks.

As first time buyers, a realtor friend said that the first step was to get in contact with a Mortgage Broker. After first contacting David, he offered to come over to our place after we got off work to explain the mortgage process and how he could help.   During our search, David was quick to deliver the pre-approval letters and when our offer was accepted,

David moved quickly on the loan approval process. He helped answer several of my detailed questions during each phase of the transaction, ensuring I was comfortable with the process. I was particularly impressed with his patience and the timeliness of his responses, once receiving an answer to several questions within minutes very late at night. I felt like I could reach out to David at any time of the day and on weekends and he would be there to assist.

Not only were we impressed with the rate David was able to lock in for our loan, but also for the constant communication he had with our realtor about where we were with receiving the loan. Our realtor regularly said during the purchasing process ‘thanks for introducing me to David, I will use his services again.’ My fiance and I would one hundred percent agree!

Jeff J., First-Time Home Buyer

First-Time Home Buyers

What to Expect

Qualifying for a Loan

It's a Simple Process

Preparation

Pre-Approval

House Hunting

Lock & Appraise

Underwriting

Closing Time

Preparation

Pre-Approval

House Hunting

Lock & Appraise

Underwriting

Closing Time

Jeff J., First-Time Home Buyer

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