Considering Making a Move? 
Information for First Time Home Buyers                     

When you're thinking about making a move, the first steps in the home buying process are:

1. Deciding when you want to make your move
2. Considering how much money you would like to spend
3. Thinking about what type of home you would like
4. Deciding where you would like to live

The next step is usually finding out how much loan you can qualify for and deciding the type of financing will work best for you.

If you're in the "thinking about it" stage, you will want to speak with a lender about receiving pre-qualification. If you choose to become pre-qualified, the lender will determine how much you can borrow based on financial information you provide to the lender. Pre-qualification is useful for making preliminary decisions about how much home you can afford, but does not assess your creditworthiness.

You will need to fill out a loan application and go through the lender's loan approval process at a later date. When you decide to buy a home, you will want to become pre-approved for a loan prior to beginning your home search.

Please don't hesitate to call or email me for additional information about the buying process. My goal is to provide you with practical information as you consider your next move. And, when you're ready to make your move, I'll help you find your dream home and handle all the details of the transaction, so all you need to do is pack!

• First Time Home Buyer Tax Credit
• Why Buy a home instead of renting
• Where to search and how to find current listings
• Considering a move? Steps to take
• How to Look for Foreclosures?
• The home search. Choosing your home
• Homebuyer tips
• The home search. Finding out how much you can afford
• The pre-qualification process
• The difference between getting pre-qualified and pre-approved
• Local South Bay Mortgage Lenders and Loan Brokers
• Down payments
• What does your mortgage pay for: PITI
• The loan process
• Understanding Closing Costs
• Homeowners Insurance
• CAR Mortgage Protection Program