Buyers

Buying your home is one of life’s biggest investments and most exciting adventures. We will be your partners in this process guiding you along the way to make your experience smooth and successful.

  • We will meet you to discuss your needs and plan your property search.
  • We will help you get pre-approved and establish your budget.
  • We will show you properties to meet your criteria.
  • We will notify you when new properties come on the market.
  • We will work with you until you find the right home.
  • We will help you determine your offer.
  • We will negotiate the offer and contract in your best interest.
  • We will assist with the home inspection and will help during the resolution process.
  • We will keep you updated on the progress of your transaction every step of the way.
  • We are committed to complete satisfaction and will represent your with the utmost care, honesty, integrity and discretion. Let’s get started!

The Pre-approval Process

The first step in any home search is finding out exactly how much home you can afford and securing the necessary financing. Once you find a home you love and are ready to make an offer, your mortgage pre-approval let’s the seller know that you are serious and fully prepared to buy their home, putting you in a stronger position than other potential buyers.

Pre-Approval Checklist:

  1. Driver License or State ID.
  2. Last 2 months of bank statements showing the money to purchase.
  3. If less than 2 years in the current employer, 2 years of employment history.
  4. If you own any real estate, please provide copies of all that applies (per property);
  5. Mortgage statement, Insurance policy, HOA payment coupon, and Tax Bill.

If you are an employee:

  1. Last month of apy stubs, if you do overtime, commissions, bonuses, please provide the last pay stub from the last 2 previous years.
  2. Last 2 years of income Tax (IRS form 1040 with all schedule).
  3. Last 2 years of W2’s.

If you are self-employed:

  1. Last 2 years of 1099’s (If applicable).
  2. Last 2 years of income Tax (IRS Form 1040 with all schedule).

If you own a business:

  1. All the documents for self-employed.
  2. Last 2 years of company taxes, including all schedules.

For VA loans applicants only, provide a copy of your Certificate of Eligibility.

Do Not List

  1. Don’t buy a new car or trade up a bigger payment.
  2. Don’t quit your job to change industries or start a new business.
  3. Don’t switch from a salaried job to a heavily-commissioned job.
  4. Don’t transfer large sums of money between bank accounts.
  5. Don’t forget to pay your bills, even the ones in dispute.
  6. Don’t open new credits, even if you are getting 20% off.
  7. Don’t accept gifts without filing the proper gift letter
  8. Don’t make random, undocumented deposits specially, if they are CASH.

Andres Llanos
Mortgage Loan Originator
NMLS No.1359605

If you are ready to buy, click on the link below to start your pre-approval process:

Making An Offer

There are many factors that influence the market value of a home, including:

  • How long the home has been on the market
  • If the price has been reduced
  • How much the home is worth based on similar
  • Appraisal: homes in the area
  • If there are multiple offers
  • Whether the seller is offering an assumable loan or financing.

Closing On Your Home

Once your offer has been accepted, the closing process begins.

Closing On Your Home

Most property sales are contingent on the result of a home inspection, which includes a review of the home’s exterior elements like roof, siding, trim and windows, as well as kitchen and bathroom fixtures and appliances, and major systems like heating and cooling, plumbing and electrical.

Title Search

This is a historical review of all legal documents relating to ownership of the property to ensure that there are no legal claims against the title of property. It’s also recommended that you purchase title insurance in case of errors or mistakes in the review process.

Appraisal

As a standard part of the mortgage process, your lender will order an appraisal report that ensures that loan will be guaranteed by the home’s value.

Final Walk-through

It’s requested in the contract, you will be given the chance to look at the home to make sure it’s in the same condition as when you signed the sales agreement.

Closing Costs

In addition to your deposit and down payment, there are a variety of other costs involved in closing, including:

  • Loan origination fees, appraisals and reports.
  • Surveys and Inspections.
  • Mortages Insurance.
  • Hazard Insurance.
  • Taxes
  • Assessments.
  • Title Insurance, Notary and escrow fees.
  • Recording fees and stamps.
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