Buying a house is always a thrilling endeavor, but it can also be intimidating – especially if you’re new to the competitive California real estate market.
Knowing is half the battle, as the adage goes, so launch into your home buying journey with these helpful pieces of advice:
- Get a mortgage pre-approval early
Getting pre-approved for a loan paves the way for a smooth home buying process. It gives you an accurate estimate of your spending capacity, an opportunity to fix your financial credentials before applying for a mortgage, and an effective way to convince a seller to take your offer.
Learn more about mortgage pre-approvals in this blog post.
- Keep your expectations and targets realistic
Your first house doesn’t have to be the one you’ve always dreamed of. Stay within range of what you can afford. Buy a modest but adequate option for now. Gain equity in the local real estate market, as well as invaluable experience in real estate transactions. These will help you earn that dream home in the future.
- Attend open houses
Open houses are an excellent way to dip your toes into the home buying process. Even before you start shopping for properties, you can already attend an open house to get a feel of what it’s like to examine a home for sale, as well as how to interact with agents and sellers.
- Look into services and programs
The California Housing Finance Agency (CalHFA) offers a variety of tools and resources for home buyers, including online and in-person education courses for first-timers. The agency also has first mortgage and down payment assistance programs that can help you sort out your financial needs.
- Get to know the neighborhood before committing to a home
In addition to moving into a new home, you’ll also be joining a new neighborhood. Get a more comprehensive feel of the place before committing to a purchase. Walk or drive around the area a few times. Talk with possible future neighbors. Check out the amenities and attractions.
- Budget for closing costs and move-in expenses
Closing costs can fall between 2% to 5% of your loan amount. You also need to set aside a buffer amount to cover all you need for your transition to your new home. This includes new furnishings and appliances, service subscriptions, and other improvements you might want to make to the property.
- Don’t bypass home inspection
You’ll be spending the next few years of your life in the house where you’re putting your money in, so be sure that it’s in great shape by the time you move in. Talk with various inspectors and work with the one offering the most comprehensive services.
- Exterior. Includes the foundation crawlspace; gas, water, and vent fittings; and devices that turn off the gas, water. and electrical service
- Interior. Includes plumbing fixtures, fireplaces, and smoke detectors
- Kitchen, bathrooms, and laundry. Built-in appliances, sinks plumbing fixtures, drain traps, showers, and tubs
- Garage. Doors, storage, firewall, electrical systems
- Attic. HVAC system, insulation, vents, storage
- Work with an agent
Always remember that you don’t have to go through the home buying process alone. Working with an experienced, knowledgeable, and well-connected real estate agent is one of the smartest moves you’ll make as a first-time home buyer. Most of the steps discussed above can be done much easier with the assistance of a professional.
When it comes to Sonoma County real estate, you’re in good hands with Brad Wilkinson. Begin your home buying adventure today by calling 707-799-0455 or sending an email to Brad(dotted)Wilkinson(at)CBNorcal(dotted)com .
According to the California Real Estate Inspection Association (CREIA), a home inspection generally covers the following:
With home inspections being so thorough, it pays to pay a little extra to make sure you don’t run into major maintenance issues so soon after you move in.
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