Information about buying a home in San Diego County, Southern California.

• Credit Report
• Pre-Approval
• Home Search

Credit Report
Get a Credit Report, before you start looking for a home. When you get your credit report, check for errors, outdated items or other items that have been paid but do not show on your report. By doing this first, you are ensuring a smooth buying process. Contact us for more infomation.

Pre-Approval
After reviewing your credit report, the next is to be pre-approved. Pre-approval means a lender has a loan approved for you and all you have to do is find a home within your pre-approved amount and that the home passes the lenders appraisal. Another option is to pre-qualify, which is when your agent or broker looks at your income, assets, and debt and calculates what you may be able to afford. It is better to be pre-approved because a seller will know that you have the loan to buy. If you are unsure which to do, ask your agent.

Home Search
You can search by many different factors ranging from price, location, size, view, etc. Your real estate agent is an excellent resource for finding the right home. A good real estate agent should be familiar with neighborhoods, schools, and all criteria for the type of home you are searching for. The way real estate agents make the search faster is by taking the information you give them such as the size of home, pre-approval amount, and area, selecting only the homes that fit your criteria. Hope these tips are helpful with your search and good luck.

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