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Everything you need to know about finding the perfect home, making an offer, and successfully closing on your new property.
Buying a home should be one of the most exciting milestones of your life. To prepare yourself for this moment, you need to know what to expect during the process. This step-by-step first-time homebuyer’s guide created by your agent will reduce the stress of buying a home and help you enjoy the journey.
Decide which communities, home features, and property types you and your family prefer. Have candid conversations about which of these characteristics are required, and which are “nice to have” in your next home.
Examine your current expenses and determine how they might change if you purchase a home. Create a comprehensive household budget so you can factor in any new ongoing expenses that might come with a home purchase, such as garbage and recycling, water, or homeowner’s association fees. Once you decide how these expenses will change, you’ll be better equipped to leverage the information you get in step three.
Prequalification is a great start for understanding your purchasing power, but it’s not the only factor. A lender may pre-approve you for more than you’re comfortable spending, which is why the budget you compiled in step two is so important. The opposite can also happen, where you believe you can afford a certain payment every month, but the bank doesn’t agree. This often happens when you’re new to your job, have insufficient credit, or have bankruptcies or other financial issues in your history.
You’re not required to stick with this lender when you ultimately finance your purchase, but this process is a great way to vet mortgage providers. Also, a prequalification letter can make you a more competitive candidate in multiple-offer situations.
Now it’s time to find your dedicated real estate representative! Regulations enacted in 2024 require real estate agents to obtain a signed buyer’s agreement before showing consumers homes. Of course, your agent does a great deal more than opening up listings; Your agent can help you understand your local market, identify areas and properties that fit your specific criteria, help you create competitive offers that match your financial and logistical needs, and much more.
Sold
Sold
Off Market
123 Main St
For Sale
Sold
For Sale
8015 CIRCLE DR, Manzanita, OR 97130
Sold
12769 Dianne Drive, Los Altos Hills, CA 94022
Inactive
60 Hazel Ave, Larkspur, CA 94939
For Lease
Sold
19 Vernon, Newport Coast, CA 92657
Sold
331 Ledroit Street, Laguna Beach, CA 92651
Inactive
541 Oak Ave, San Anselmo, CA 94960
Sold
205 Crescent Rd, San Anselmo, CA 94960
For Sale
SMARTS PL, OVIEDO, FL 32765
Inactive
17 Idalia Ct, San Anselmo, CA 94960
Inactive
1160 Mission Street Unit: 2306, San Francisco, CA 94103
Inactive
49 Cedar St, San Anselmo, CA 94960
For Sale
850 FLORIDA AVE, OVIEDO, FL 32765
Sold
38500 BEULAH REED RD, Manzanita, OR 97130
Sold
1180 Butterfield Rd, San Anselmo, CA 94960
Sold
16 Shadow Creek Ct, Fairfax, CA 94930
Sold
49 Cedar St, San Anselmo, CA 94960
Inactive
207 Deer Hollow Rd, San Anselmo, CA 94960
Sold
267 Golden Hind Psge, Corte Madera, CA 94925
Sold
180 Crescent Rd, San Anselmo, CA 94960
Inactive
205 Tunstead Ave, San Anselmo, CA 94960
Sold
15 Glittering Sky, Aliso Viejo, CA 92656
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38550 BEULAH REED RD, Manzanita, OR 97130
Sold
207 Deer Hollow Rd, San Anselmo, CA 94960
Sold
151 Deer Hollow Rd, San Anselmo, CA 94960
Inactive
290 Fawn Dr, San Anselmo, CA 94960
For Sale
Inactive
101 Ridge Rd, Fairfax, CA 94930
Sold
1250 Leavenworth Street # 3, San Francisco, CA 94109
Inactive
19 Morningside Dr, San Anselmo, CA 94960
Inactive
45 S Knoll Road, Mill Valley, CA 94941
Sold
118 Cypress Ave, Kentfield, CA 94904
For Sale
636 Harper Avenue, Los Angeles, CA 90048
Sold
1250 Leavenworth Street # 1, San Francisco, CA 94109
Pending
37995 BEULAH REED RD, Manzanita, OR 97130
Inactive
6 Alice Way, San Anselmo, CA 94960
Sold
245 BEACH ST, Manzanita, OR 97130
Sold
1250 Leavenworth Street # 2, San Francisco, CA 94109
For Sale
5 Hillside Ave, Kentfield, CA 94904
Inactive
155 Camino De Herrera, San Anselmo, CA 94960
Sold
2944 Canyon Road, Burlingame, CA 94010
Sold
6427 Tahoe Drive, Los Angeles, CA 90068
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99 Verissimo Dr, Novato, CA 94947
For Sale
103 Holstein Rd, San Anselmo, CA 94960
Sold
128 Ridgewood Place, Los Angeles, CA 90004
Finding the perfect home and navigating the purchase process can be daunting. Leverage my knowledge and expertise and enjoy your personalized real estate journey.
Your agent will arrange showings of properties that meet your specific criteria and price range, taking note of your likes and dislikes to further refine their search parameters. Your agent will help you explore the details — from storage to light switches to the flow of a home — and understand the pros and cons of the options in front of you. Your agent will also help you make time to explore the neighborhood and examine elements like local traffic at different times of the day, parking options, and proximity to neighborhood amenities like schools and grocery stores.
Once you’ve narrowed down your home search, it’s time to go back to the mortgage provider who prequalified you in step three and obtain preapproval. With a property and purchase price in mind, your lender can get much more specific about your interest rate, monthly payments, the term of the loan, and special programs such as first-time homebuyer grants and loans through the VA and FHA. While you will primarily work with your bank to select the right options for you, I'm here (Your agent) to offer support and recommend a mortgage provider I've worked with in the past if you get stuck.
Once you have selected the perfect home and have your finances in order, your agent will help you craft a fair offer price based on the value of comparable homes on the market. You’ll also work through details such as timing, contingencies, and fees. After your agent submits the offer on your behalf, your agent will help you negotiate counteroffers and reach an agreement with the seller. At this point, the house will go into escrow.
In most cases, your offer will be contingent on the home passing inspection. This protects you from purchasing a property that has serious structural issues or requires major repairs. Your agent has a list of trusted local providers, but you can hire any licensed home inspector you like. If the inspection uncovers major issues, you can withdraw from the sale or renegotiate your offer based on what needs to be fixed.
The appraisal ensures that you are paying a fair price for the house. Your mortgage provider will hire an appraiser to inspect the property and offer an independent opinion of its value. Sometimes, appraisals may come in too low, which can impact the amount of money the bank is willing to lend. In this case, your agent can help you determine next steps and navigate the appeal process.
No one looks forward to all the paperwork stacked up on the closing table, but it’s a necessary part of the process. Fortunately, everything will be arranged by your lender and title company. And, when you’re finished, you’ll be the legal owner of your new home.
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