Get the 22 page home buyers guide here. You'll learn the steps to qualify for a mortgage and to buy a home in Orange County. Buy with Confidence.
Four things that have been the most important to my past clients.
My VIP Buyers program will give you access to off-market properties that fit your criteria. 10% of houses in Orange County sell before they ever get listed on the market. We need to see those as well.
I will negotiate until the checks are cashed. We don't want to leave any money on the table and sometimes we can negotiate for the sellers to pay for closing costs such as title and escrow fees.
Because of my experience in mortgage finance, I can show you ways to save money on one of your biggest assets, your new home.
Relocation Concierge. When clients are moving from out of the area, I want to know what feels like home before we hunt for a specific house. Schools, neighborhoods, golf courses, shopping, beaches...what will make this house feel like home.
1. Looking for a home before applying for a mortgage. It's fun looking at homes, the architecture, the interior design and then thinking about your personal style. It's not as much fun digging out your tax returns and then talking to an analyst about your financial situation. But the latter is the most important for your future. Don't put this step off to long. You might find your dream home only to discover you can't afford it.
2. Talking to one lender. If you have a personal relationship with your lender then I think speaking to only one will work. You want a lender that is caring and intelligent! Don't worry about hurting feelings. Take the emotions out of this decision and be logical. Saving $100 per month on your mortgage can add up to a nice vacation.
3. Waiting for the "perfect" house. It is beneficial to keep an open mind when home shopping. Waiting for the perfect home can keep you waiting for a long time. Try to imagine what a little sweat equity can do to the overall look. If repairs are needed your agent can negotiate for things to be repaired before closing or you can get a credit to pay for the repairs after closing.
4. Buying more house than you can afford. Logically speaking this seems obvious but when buyers find the "diamond in the rough it's easy to stretch. This can put you at risk. If anything happens, injury or job loss, losing your home can become a reality.
5. Draining your savings. Six months of living expenses in the bank is a good benchmark to shoot for.
6. Miscalculating the hidden costs of homeownership. Annual maintenance costs are often overlooked. Add $200 a month for maintenance. Don't forget to add property tax, insurance, HOA's and utilities to your total obligations.
7. Buying something between preapproval and closing. Your mortgage lender will look at your credit report when they qualify you for your mortgage. They will take a second look at closing, before they fund your loan, to verify nothing has changed. Such as a new car loan or a new credit card from Best Buy after financing the new flat screen. Please do not take on additional debts after your preapproval.
8. Assuming you need a large down payment. Loan programs offer 97% of the appraised value. If you qualify you could put as little as 3% down.
9. Not talking to your lender about FHA and VA loans. These loan programs are government insured and they exist to help qualify for buying a home. Along with low down payments the credit requirements are usually less strict.
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This highly desirable, 2-story end-unit in the Quail Creek Community in Laguna Hills is tastefully remodeled! This turn-key gem features 1-bedroom, 1-bathroom, new floori...
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Welcome to Glenwood Park! This charming 3 bedroom, 2.5 bath townhome has many wonderful features. Family room has cathedral ceilings and cozy fireplace with ledger stone...
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Stunning remodeled bright END unit with an open floor plan in Village Green. Wood flooring and porcelain tile that looks like wood throughout the entire home. The kitche...
Outstanding well-maintained home in a terrific, private-gated community. This is an End-unit, with open floor plan, wood flooring throughout. Living room with fireplace...
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Rare 3 bedroom corner unit in the resort like Stadium Lofts. Only 8 units in the entire complex are close to this size but none as beautiful. Once you enter this amazing ...
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Bring your clients to this beautiful air conditioned upper-level end unit condo located in the Aliso Villas neighborhood of Northern Mission Viejo! Upon entering from yo...
Welcome to this charming California Ranch home located in a wonderful neighborhood on a HUGE pie shaped lot with both front street access as well as alley access to the r...
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Best pricing for a two-bedroom Single Family Residence in Anaheim! This two-story SFR with attached 2-car garage is exactly what you've been looking for. Upstairs you'll ...
Great opportunity for first time buyer or investor! Bring your imagination and have fun upgrading this home to your personal liking. This 3-bedroom home with a great win...
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This Mission Viejo one-story home offers granite countertops, and a one-car garage.
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COMPLETELY REMODELED 2 BED 2 BATH GROUND FLOOR UNIT WITH PANORAMIC CITY LIGHTS AND HILLS VIEW. REMODELED KITCHEN WITH QUARTZ COUNTERTOPS, NEW CABINETS AND STAINLESS STEEL...
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Welcome to 404-C Avenida Castilla , Located in the 55+ Laguna Woods. This Beautiful Single Level expanded CORDOBA Showcases Two Bedrooms, Two Bathrooms, Natural Light & a...
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A very rare 1 bed, 1.5 bath, 2 car tandem garage condo located in the gated Oak Creek Community. This tri-level condo has been owner occupied since 2003; the condo is in ...
Welcome to Tiburon South, an inviting park like enclave with lush greenbelts and mature trees. This single story Malibu model end unit feels like a single family home and...
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On top of the world with panoramic city lights views. This home is located on a single loaded street with views from dining room, living room, kitchen, and master bedroom...
One of a kind 3 bedroom 2 bath townhouse in the highly desirable Woodbridge neighborhood. Fully upgraded home with new contemporary cabinets, Quartz counters, new applian...
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**** This is a wonderful unit it has a partial Ocean view, It's priced to sell owner is looking for a offer, she could consider carrying with a good down payment. Come en...
Welcome home to the highly sought after Dakotas in the community of Wagon Wheel Canyon. This home features 2 bedrooms, 1.5 bathrooms and 1089 sq ft of living space. You ...
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CORNER UNIT Mutual 12, 74H - Fully expanded, 2 bedroom, 1 and a half bath, contemporary corner unit with beautiful greenbelts on both sides. Multiple bay windows and thre...
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COME HOME TO THIS BEAUTIFUL 1 BED - 1 BATH- 1 CAR GARAGE CONDO, LOCATED IN THE DESIRABLE 55+ COMMUNITY OF HUNTINGTON LANDMARK. THIS CONDO FEATURES THE POPULAR BALBOA MOD...
COME HOME TO THIS WONDERFUL 2 BED - 2 BATHS- 1 CAR GARAGE CONDO LOCATED IN THE DESIRED 55+ COMMUNITY OF HUNTINGTON LANDMARK. IT FEATURES THE POPULAR MARINA MODEL WITH SPA...
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Tropical resort style living close to the beach in Seabridge Villas. This 1 bedroom, 1.25 bath condo is an end unit boasting an abundance of wonderful natural light. The ...
Upper end unit with brand new carpet and new paint in Woodbridge village. 3 Bedrooms and 2 Bathrooms with indoor laundry plus a separate storage room in the lower level. ...
This upper-level 2-bedroom, 1.25-bath condo is ready for move-in today! The seller recently updated the flooring and added laminate wood flooring and carpet in the bedro...
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Beach-close 2 bedroom end-unit condominium with so much to offer! This light and bright home offers fresh white paint, rich wood flooring throughout, vinyl windows and s...
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Rare opportunity! This 2 bedroom with 2 full baths is located in the Casa La Paz community. Highly upgraded Single-Level with no stairs entry. Truly the best value in Lag...
This beautiful Tudor-style townhome greets you with luscious, colorful landscaping. Slate flooring covers the entrance into the kitchen and dining area. The entry reveals...
Welcome to the most prestigious high-rise tower, Marquee at Park Place. You can find this luxurious residence with new paint and new carpet upgrade in an ideal location w...
Beautiful and spacious end unit condo. This open floor plan offers 2 bedrooms and 2 baths with a large kitchen that opens up to the large living room and dining room. Lot...
Highly sought after two master bedroom home in the charming Corsican Villas in Brea. Home features large master suite, second master suite across hallway with balcony wit...
Upstairs penthouse model with no one above or below. South Orange County, just off El Toro, accessing the 5 freeway or toll roads. 2 Bedroom/1.25 Bath. Primary has a larg...
Charming ground-level condo in the gated Les Jardins community. Featuring 2 bedrooms, 2 bathrooms, kitchen with Quartz counter top and marble flooring, molding and basebo...
Welcome to 1232 Woodside! This is a 2 bed 2 bath home located in the quiet, well maintained gated community of Broadmoor in Placentia. As you enter the house you will pa...
Based on information from California Regional Multiple Listing Service, Inc. as of . This information is for your personal, non-commercial use and may not be used for any purpose other than to identify prospective properties you may be interested in purchasing. Display of MLS data is usually deemed reliable but is NOT guaranteed accurate by the MLS. Buyers are responsible for verifying the accuracy of all information and should investigate the data themselves or retain appropriate professionals. Information from sources other than the Listing Agent may have been included in the MLS data. Unless otherwise specified in writing, Broker/Agent has not and will not verify any information obtained from other sources. The Broker/Agent providing the information contained herein may or may not have been the Listing and/or Selling Agent.
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