Escrow Contracts and Inspections

purchase_agreement

The Purchase Agreement

Your agent will use a standard form of Purchase Agreement, developed by the Association of Realtors ® , a local Association of Realtors ® , or a private publishing company, depending on the custom in the area. You can make changes – but the seller must agree to each of the changes you make.

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Getting Prepared To Buy

OPERATION- Free Vacations

8 Ways To Improve Your Credit

Credit scores, along with your overall income and debt, are a big factor in determining if you’ll qualify for a loan and what loan terms you’ll be able to qualify for.

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preapproved

Getting Pre-Approved

Though you may be willing to spend a certain amount, the real determination of how much house you can afford is driven by how much a lender calculates you can afford. So before you begin to search for the perfect house, it is very important to begin the homebuying process by getting preapproved.

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Examining Your Credit History

Your credit report and history are key to obtaining your home loan. We encourage you to view your credit report yourself, prior to the lender’s viewing of it.

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Understanding Your Credit Score

When lenders evaluate a loan application, a process called underwriting, they try to evaluate your ability and willingness to repay the loan. They judge the borrower’s ability to repay by reviewing the income and stability of past earnings. This practice helps the lender to determine if the borrower can afford the loan payments.

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debt-to-income

Income Vs. Debt Ratios

As you think about applying for a home loan, you need to consider your personal finances. How much you earn versus how much you owe will likely determine how much a lender will allow you to borrow.

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Searching For A Home

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The Basics Of Making An Offer

A written proposal is the foundation of a real estate transaction. Therefore, you need to enter into a written contract, which starts with your purchase offer. This proposal not only specifies price, but all the term and conditions of the purchase.

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Couple looking for a home

Buying a Home – What’s Your Ideal Home Look Like

As an expert in real estate in the San Francisco Bay Area, I can help guide you on the entire buying process. This may be daunting and you may have many questions, but the buying process should never be rushed. Buying a home is a significant investment, and careful consideration should be made for each decision.

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