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Buying A Home
Buying a home is one of the biggest financial decisions you'll ever make. As a trusted mortgage broker, I am here to guide you through every step of the home buying process and help you achieve your dream of homeownership.
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I understand that every client has unique needs and financial goals. That's why I offer a variety of mortgage options tailored to your specific situation. From first-time homebuyers to seasoned investors, I have the expertise to find the right mortgage solution for you.
Home Buyer Checklist
1) Budget: Determine your budget and stick to it. This will help you avoid overspending and keep your search focused on homes you can afford.
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2) Mortgage Pre-Approval: Get pre-approved for a mortgage before you start shopping. This will give you an idea of how much you can afford to spend on a home and make your offer more attractive to sellers.
3) Location: Determine the location you want to buy in. Consider factors such as proximity to work, schools, public transportation, and amenities.
4) Type of Home: Decide on the type of home you want, such as a single-family home, condo, townhome, or multi-family home.
5) Size and Layout: Determine the size and layout of the home that will meet your needs. Consider factors such as the number of bedrooms, bathrooms, and living spaces.
6) Condition of Home: Consider the condition of the home you are interested in. Do you want a fixer-upper, or do you prefer a move-in-ready home?
7) Home Inspection: Have a professional home inspection done before you buy. This will help you identify any issues with the property that may affect your decision to buy.
8) Homeowners Association: Determine if the property is part of a homeowners association and review the HOA rules and fees.
5) Size and Layout: Determine the size and layout of the home that will meet your needs. Consider factors such as the number of bedrooms, bathrooms, and living spaces.
6) Condition of Home: Consider the condition of the home you are interested in. Do you want a fixer-upper, or do you prefer a move-in-ready home?
7) Home Inspection: Have a professional home inspection done before you buy. This will help you identify any issues with the property that may affect your decision to buy.
8) Homeowners Association: Determine if the property is part of a homeowners association and review the HOA rules and fees.
9) Property Taxes: Review the property taxes for the home you are interested in and factor them into your budget.
10) Closing Costs: Factor in closing costs, which can include attorney fees, appraisal fees, and title insurance.
11) Homeowners Insurance: Determine the cost of homeowners insurance for the property you are interested in.
12) Moving Expenses: Consider the cost of moving and factor it into your budget.
© Copyright 2023 Pico Mortgage Brokers. All rights reserved
.Pico Mortgage Brokers, a dba of Four Clover Homes Inc, NMLS # 1585758 | 9227 Haven Ave #330, Rancho Cucamonga, CA 91730
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Notice To Texas Loan Applicants: Consumers wishing to file a complaint against a mortgage banker, or a licensed mortgage banker residential mortgage loan originator, should complete and send a complaint form to the Texas Department of Savings and Mortgage Lending, 2601 North Lamar, Suite 201, Austin, TX 78705. Complaint forms and instructions may be obtained from the department’s website at www.sml.texas.gov
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A toll-free consumer hotline is available at 1-877-276-5550. The department maintains a recovery fund to make payments of certain actual out of pocket damages sustained by borrowers caused by acts of licensed mortgage banker residential mortgage loan originators. A written application for reimbursement from the recovery fund must be filed with and investigated by the department prior to the payment of a claim. For more information about the recovery fund, please consult the department’s website at www.sml.texas.gov