Steps to Buy a House with Jesse Ramirez | Broadpoint Properties
So, you want to buy a house. You may ask
yourself, “What are the steps I need to take to buy a home?” I’m Jesse Ramirez,
Realtor® at Broadpoint Properties, and I’m gonna go over the steps to achieve
your real estate goals. Well the first thing you’re gonna have to do is find a
Realtor®. Now you’re gonna ask yourself, “Should I just go online, or where should
I find this Realtor®?” Well, first thing you should probably do is reach out to your
friends, family, anybody that’s purchased that you know within the last six months.
They’re gonna be able to refer you somebody that might have worked for them.
You should also interview any potential Realtors® that are going to be working
for you. What was their production last year? Do they do this full-time or
part-time? Where do they do most of their sales? And, what will either availability
to show you property? A Realtor® should have a fiduciary responsibility towards their client. It is crucial that the Realtor® understands your needs for
you and your family so that they can better serve you. So you have a Realtor®,
now what? Well, it’s time to talk about finances. How are you gonna be paying for
this home? If you have cash, you can go ahead and skip to the next step. But if
you don’t have cash, we’ll go ahead and set you up with a lender. Just like when
you go to the doctor, it’s always good to get a second opinion on your loan. This
is a very big purchase so you want to make the best decision possible. And most
importantly, be very honest with your lender. Tell them all the issues you
might have financially so that they can better serve you and find you the best
program for your needs. Your lender is gonna need W-2s, bank statements, your
taxes for the last two years, among other paperwork. Make sure to provide these in
a timely manner so that you can get pre-approved. And once the lender
provides you with that golden ticket, the pre-approval, we’re ready to go shopping!
Now if you’re currently looking here in San Diego County, make sure to give us a
call. We’d be more than happy to serve you! And if you’re looking outside of our
geographical area, also contact us. We belong to a large network of top
producing Realtors® across the nation. Happy house hunting!