Get Preapproved

Meet with a lender and get your pre-approval letter. Make sure you get all of your ducks in a row & know what your monthly payment will be before you start shopping. 

Start Hunting!

Now that you know exactly what you can afford, it's time to start shopping. Our team will search for homes for you and send you any off-market properties we come across before anyone else sees them.

Make an Offer

Now that you've found the home you love, it's time for us to make an offer. Together with our team, we will determine a price and terms that make sense for all parties. Continue reading to learn more!

The Cost
What are the fees that come along with buying a home?
 
While the sellers have their own fees, buyers also have closing costs on top of the down-payment. 
 
Buyers pay for:
 
Loan Appraisal: Typically around $700 - $800 (confirm with your lender)
 
Home Inspection: Cost is based on the size of the home, but typically runs between $500 - $700
 
Closing Costs: Your closing costs will be dependent on your loan termes, taxes etc. Closing costs can be anywhere from $10,000 - $15,000. Now that the market is shifting, we are seeing more opportunity for seller-paid closing costs and credits. We would love to go into more detail with you about how you can potentially get your closing costs covered. Click here to schedule a consultation.
 
Down Payment: This is dependent on your loan. Speak to a lender to determine the best loan options for you. Down-payments can run anywhere from 3%, 5%, 10%, 20%+. Need a lender? Click here!
Timelines + Contingencies

Your offer was accepted! Escrow will now be opened and the escrow and inspection process will begin. This timeline will depend on what dates we write into the contract.

A contingency is a condition that must be fulfilled before the sale of a home can close. In California, these conditions are found in the buyer’s offer.

 

*All contingencies must be removed in writing and signed off. Until that happens, the buyer will retain a right to cancel based upon the open contingency.

 

Contingency One | Investigations

In California, the default inspection contingency gives the buyer a little more than two (2) weeks – 17 days – to complete all inspections. In order to be competitive, we may discuss shortening this timeframe. This includes: completing all Buyer Investigations; reviewing all disclosures, reports, lease documents to be assumed by Buyer pursuant to paragraph and other applicable information, which Buyer receives from Seller; and approving all matters affecting the Property.

 

Contingency Two | Appraisal

Appraisals are used to estimate a property’s value. Appraisers are appointed by the bank at random, and they use the property’s location, condition, and the current market to determine its appraised value. The Appraisal Contingency allows the buyer to walk away from the purchase contract if the property’s appraisal comes in lower than the contract price (unless otherwise negotiated on). If buyers decide to waive the appraisal contingency, they are agreeing to pay the full sales price—even if the appraisal comes in lower than the property’s contract price.

 

Contingency Three | Loan

A loan contingency is put in place to protect buyers if they are unable to obtain mortgage financing for any reason. Most buyers in California are pre-approved before shopping for homes, but this contingency is still often necessary to protect California buyers if their qualification is particularly tight or complex. 

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