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Knowledge and experience are the keys to successful real estate transactions.

Working as your agent, I can provide you with an enormous amount of valuable information. Such data, combined with my expertise, experience and training, can be an essential key to your success.

One of the keys to making the home buying process easier and more understandable is planning. In doing so, you’ll be able to anticipate requests from lenders, lawyers and a host of other professionals. Furthermore, planning will help you discover valuable shortcuts in the home buying process.

12 Steps to Financing Your New Home

1. Find a lender. Ask friends, family or co-workers for referrals; speak with local real estate agents; search the Internet.

2. Fill out a loan application.

3. Get an estimate of closing costs from the lender you choose. By law, the lender is required to provide this statement to you within three days of receiving the loan application. Make sure to ask what type of loan program your lender has selected for you, including the rates, terms and any special information, such as prepayment penalties.

4. Compare costs, fees and terms of loans if you are working with more than one lender.

5. Negotiate fees. Sometimes you can negotiate the amount of fees or loan points (a point is 1 percent of the loan amount) the lender charges you.

6. Consider lowering your interest rate by paying more points. The relationship of interest rate to points paid is an inverse one; the more points you pay, the lower the interest rate.

7. Provide required documentation.

8. Pay any up-front fees. Sometimes the lender requires that the appraisal, or processing fee be paid at the beginning.

9. Review loan papers. Approximately one week prior to closing, loan papers will be ready for your review. Make sure the loan matches the original quote you were given.

10. Sign your loan papers and your down payment funds into your account four to six days prior to closing.

11. Bring a cashier’s check for the down payment to the title company, escrow company or attorney handling the closing. The lender will send the title company a check for the loan amount.

12. Get ready to congratulate yourself! Once the transaction closes and you have signed off on all contingencies, you will receive a copy of the deed and a set of keys, and you then own the home!

Need Fast Private Money assistance? Our Private investor department can assist and fund any scenario within our own lending guidelines with capital of up to $10 Million available for such transaction. Minimum loan amount to needs to be $50,000 or more. Using such real estate equities or non-conventional methods makes our programs much easier to buy and sell real estate than going through the traditional bank methods. Investing in today’s market with our office’s assistance may be the easiest decision you will make.

The Agents at Premiere California Realty take the time to listen to your needs and dreams. We work tirelessly to facilitate your goals without compromise. Premiere Realty is committed to treat every client as their first priority. Owning Real estate and properties are great for increasing your long term net worth. Make sure you have the right office working with you in purchasing or investing in such areas!

Proudly serving all of California!

Premiere California Realty

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