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For Buyers

Found 26 blog entries about For Buyers .

Hi everyone!  I'm going to be honest....I am SUPER excited to by typing up this blog post today.  I became a first time homeowner two weeks ago, and it was a whirlwind!  I've really been looking forward to sharing my experience in blog format.  So many of me and James' friends are in their late twenties or early thirties, and are now starting to think about home ownership.  So, I thought it would be a great idea to create an "insider's guide" into the scary, and not so scary, parts of buying a home.  

PARTS OF THE PROCESS THAT WERE KIND OF SCARY 

Loan Application:  I had never applied for a loan before, beyond buying my car (which was quick and painless).  I spoke with my mortgage lender and applied for the loan over the phone while driving.  It

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BUYER Closing Costs in San Diego

There are costs associated with purchasing a house or condo in San Diego, beyond the actual purchase price of the home.  Closing costs vary from city to city, but this will be a breakdown of what to expect in America's Finest City.  Your lender will be able to give you a very accurate estimate of your closing costs, so ask them for a loan proposal for a property you are considering writing an offer on.  

1.  Home Inspection 

In San Diego, you should expect to pay between $250-$500 for your home inspection, depending on the size of the home.  This is money WELL SPENT, as the home inspection gives you great insight into the condition of the home and also lets you know what you may want to put on your Request for

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I just listed 700 W E St. Unit 1205 and it is a STUNNER!   

This unit is in the heart of San Diego, with beautiful views from the  living room, balcony, and bedrooms of Coronado Bridge, San Diego Bay, and city lights. It's locate in high rise Electra in the Columbia/Marina District of Downtown SD.  The building is secure and private with its own concierge. Unit has a gourmet kitchen w/ stainless steel appliances opens to living space.  Master bedroom has 2 walk-in closets, dual sinks and tub. Second bedroom has a walk-in closet and balcony access. The property has 1,161 square feet and a comfortable floor plan.  This unit will not lose any views by Pacific Gate, the new Bosa development!!

 ELECTRA by Bosa Developement set a new standard for luxury

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San Diego is in the midst of a BIG inventory shortage right now, so I wanted to write up a post about what exactly that means for home buyers vs. home sellers, and how you can win in either position.  

From January 2015 to January 2016, Zillow reports that San Diego had the largest inventory drop in the entire nation (a 30% decline, approximately).  The number went from 8,051 down to 5,617.  This has a number of implications for both buyers and sellers, which I'll break down below: 

 

 

FOR BUYERS:  

Buyers may feel like they are having a hard time finding a home to purchase in their price point.  This is because limited inventory means fewer houses for qualified buyers to offer on, often resulting in multiple offers, which drives the

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Home Inspection day is EXCITING!  Often, the home buyers attend the inspection and get the chance to look in every room, closet, and nook of their new home.  Overall, home inspections are quite thorough.  The inspector will get a pretty good idea of the condition of the property, and will advise you on which health/safety concerns you should ask for repairs on (or ask for a credit from the seller).  However, there are a handful of items that home inspectors usually do not check.  Some may be outside of the inspector's area of expertise, and some may be inaccessible without special equipment.  Here are the items that are normally NOT included in a general home inspection:  

 

Roof Inspection 

In some cases, the inspector may be able

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Check out my newest listing, 7056 Heron Circle Drive in Carlsbad, CA!  

 

Impeccable pride of ownership in the largest floor plan at the popular Bay Collection in Coastal Carlsbad. Tastefully and professionally decorated home is absolutely magnificent. As you walk in you'll be impressed by the two story circular entry featuring recessed panel wainscoting and elegant light fixtures. This home also features two staircases, a large formal living room with marble surround fireplace, library/music room with stone fireplace, large formal dining room with custom built-in display cabinets & buffet with wine storage. These rooms also feature double crown molding, and the home has recessed/art lighting throughout. Gourmet kitchen boasts a huge center island,

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I LOVE my puppy, Finn.  James and I adopted him from Baja Dog Rescue in May, and he quickly wiggled his way into our hearts.  We had both wanted a dog of our own for years, but logistically/financially, it just wouldn't have worked out.  When I began my career in real estate (with the flexibility to work from home), the timing seemed perfect to add a furry family member to the Aprill-Gray clan.  Along came Finn, an extraordinarily sweet and loving little mutt.  BUT, living in a townhouse with a puppy was such an adjustment!  If you are itching for a dog, and live in a condo or townhouse, check out my best tips (based on experience!) and evaluate whether there's room in your heart and home for a fur baby. 

 

Unfortunately, you can't just

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Let's get real for a minute.  Student debt can be rough.  Education is so important and having a degree can be invaluable, but it can also lead to many, many years of debt.  Particularly when you go to a private institution--I love you, LMU, but your tuition has put many of my friends $100K+ in the hole!  With that debt, regular monthly costs, and rent payments, how are millennials supposed to build equity?  Luckily, purchasing a home doesn't have to be merely just a dream, and I'm here to show you how you can do it. 

First and foremost, you'll need to know the standard steps of purchasing a home.  In many ways, purchasing a home when you have student debt is no different!  For instance, your credit score will be checked either way.  There are many

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 The absolute BEST thing you can do when beginning your home search is to get pre-approved for a loan.  The only time this does not apply is if you will be purchasing your home in cash.  In that case, you should be able to set your budget yourself, and you simply need to submit proof of funds (in the form of a bank statement with your account number blacked out) to your Realtor.  

If you are in the majority, and will require a mortgage to purchase a home, this article is for you! 

 

There are numerous reasons why getting pre-approved before beginning your house hunt is a great idea.  I'll break down the top 3 reasons below:

Set Your Budget 

You may have a pretty good idea of how much monthly payment you can afford.  Say, for example,

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 If you have had your offer accepted, congratulations!  That is a big step.  You may think now is the time to relax.  After all, you've worked hard to get a mortgage pre-approval, connect with a Realtor, see houses, submit an offer, negotiate, and agree to the terms.  However, there is much left to do, so it's important to stay focused to get through the Escrow process.  I have broken the next steps down into small, manageable tasks that will help you stay on track.  Your Realtor will be there for you every step of the way, guiding you through each task.  If you follow these 10 steps after your offer is accepted, you'll be on track towards closing your Escrow successfully.  

 

 

Earnest Money 

You need to submit your Earnest

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