AVAILABLE TO ALL CASH AND LOAN QUALIFIED CALIFORNIA HOMEBUYERS FOR ANY PURCHASE AMOUNT

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The Importance of Order When Buying a House

Purchasing a home is one of the most significant financial decisions you’ll ever make. Whether you’re a seasoned buyer or a first-time homebuyer, understanding the right steps to take in the proper order can make the process much smoother and ensure you’re prepared for what lies ahead. Here’s why following the right order is crucial when buying a house.

1. For Cash Buyers: Find a Realtor First

If you’re purchasing your home with cash, you may think you can jump straight into browsing properties without any other steps. However, even though you’re not reliant on financing, working with a real estate agent (realtor) is still essential. A professional realtor will help guide you through the entire process, ensuring you’re not missing any crucial legal details or negotiations.

Realtors are experts in the local market, and their knowledge can save you time and money. They’ll have access to properties that may not be publicly listed yet and can help you avoid overpriced listings or potential pitfalls. They also help negotiate terms, handle contracts, and assist with all paperwork.

2. For Buyers Requiring Financing: Get Pre-Approved Before You Search

If you need financing to purchase a home, the very first step you should take is getting pre-approved by a lender. A pre-approval letter is a crucial tool that shows both you and sellers that you are financially capable of purchasing a home within a specific price range.

Getting pre-approved before you even start browsing homes helps you avoid falling in love with a property that’s out of your budget. It also streamlines the process once you find a home you want to make an offer on, as it proves to sellers that you’re serious and financially stable. Without pre-approval, you risk wasting time looking at homes that you can’t afford or making offers that don’t stand a chance.

Additionally, your mortgage broker will advise you on what type of loan fits best with your situation, whether it’s a conventional loan, FHA, or another option. They can also help you understand your monthly payments, interest rates, and other costs involved.

3. Why Timing Matters

Buying a house involves multiple parties, paperwork, and logistics. When you approach the process in the correct order, you set yourself up for success. Having a realtor or broker on your team early on allows you to avoid delays and potential setbacks. Being pre-approved also saves you time, especially in competitive housing markets where homes sell quickly.

4. Summary

To ensure a smooth and successful home-buying experience, follow these steps in order:

• Cash Buyers: Start by finding a reputable realtor who can guide you through the process.
• Financed Buyers: Begin by finding a mortgage broker and getting pre-approved for financing before looking at homes.

By approaching the home-buying process in the correct order, you’ll save yourself time, frustration, and potential financial setbacks. With a real estate agent and a pre-approval letter in hand, you’ll be ready to move forward with confidence.

The California Homebuyers Network is dedicated to empowering homebuyers and sellers of California properties by connecting them with top tier Realtors and Loan Pros from major companies across the state, along with  reduced closing costs and loan fees through a HOMEBUYER CLOSING COST CREDIT of up to $10,000

What Is The California Homebuyer Credit, and How Do You Get One?

The high costs of buying a home can be overwhelming for many buyers, but we’ve developed a way to help you save money through our homebuyer rebate program. This program could save you thousands when purchasing your new home.

DO YOU QUALIFY?

ELIGIBILITY REQUIREMENTS

• CASH BUYERS.  All cash buyers may receive the California Homebuyer Credit
• FINANCING BUYERS (most common – see below sample)

SAMPLE OF LOAN AND CALIFORNIA CREDIT QUALIFICATIONS

Are You a Cash Buyer or Loan Qualified?  We’ll help you determine your eligibility.  Register above.

How is the Homebuyer credit paid?

The Homebuyer rebate is provided as a closing cost credit.  Instead of providing the buyer with a rebate check, the funds are used to pay for some of the closing costs associated with the home purchase.  If financing is provided for the home purchase, closing cost credits from a homebuyer rebate must be approved by your lender. Your Loan Officer will help make this determination.

* Up to $10,000 Homebuyer rebate is a credit toward closing cost offered by the independent real estate agents featured at gotohome.com.  The rebate is applied through the close of escrow as a credit toward all closing costs. Neither GoToHome.com nor The California Homebuyers Network are not liable for the rebate or credit. Confirm this rebate offer with the Real Estate Agent directly.  Click to view complete terms.