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Buying

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I
Save Your Down Payment

Many people believe you need a 20% down payment to buy a home. There are loans available that allow buyers to put down as little as 3% or 0% with a VA or USDA Loan.

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II
Know Your Credit Score

Your credit score is a numeric representation of your history and ability to pay back debts in the past. Different home loans have different credit requirements.

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III
Find A Realtor

Once you have a handle on your credit score and down payment savings, contact us! Jesse Ayala will guide you through the process of buying!

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IV
Get Pre-Approved

We have a list of lenders to get you pre-approved for your mortgage. This will help keep you on budget during the next step!

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V
Go Home Shopping!

Make a list of what you want vs. what you need in your new home. We will use the list to find homes for you to tour.

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VI
Make an Offer and Negotiate

We will help you determine the best price to offer for the home. In a competitive market, you may not be the only one bidding, so you will want to stand out.

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VII
Get a Home Inspection

Once your offer is accepted, a home inspection is imperative to ensure there aren’t hidden issues with the home.

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VIII
Get a Home Appraisal

Your lender will arrange for a home appraisal to ensure that the property is worth the price that you have agreed to pay for it. The bank will only issue a loan for the appraised value.

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IX
Close the Sale

Once your loan is approved, your lender will schedule a closing date. This is the day you sign all your paperwork to complete the purchase and get the keys to your new home!

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Move In

Congratulations, you are a homeowner.