By the way, Martinez is where I live and is great place to call home. It has a quint older downtown, hiking areas, water access, good schools and low crime.
Please feel free to contact me to ask more questions.
DRE # 01339145
Yes you do need an experienced agent but she has trained many thru her 20 years and even a Rookie will have her expert guidance all the way thru the transaction and would be the same as her being there as she is way out of the area. She has a network of agents that she refers to clients that she does loans for throughout CA. A Rookie without assistance would not work in this market as you want expert experienced guidance through your escrow to funding.
I reccommend you get three good faith estimates from Lenders and choose the one that best fits your needs. If you don't have a lot of money and very high fico scores as most Lenders require or if you need credit repair she can get you approved. Read her profile.
Call Sheryl Arndt 760-486-4225 for your approval to buy and compare with other good faith estimates. She will provide one within an hour and is available whenever you call.
Pacita has it right. Your first step is to find out how much you can borrow.
Let me add one name to that list, John Kay of Mortgage California. (925) 858-5626. This is his cell phone and he works weekends.
The advantage with John is that he is a Direct Lender as well as a broker, so you get the best of both worlds. Plus he always delivers what he promises.
Good luck to you.
Bernard Gibbons, J Rockcliff Realtors
The first step is to talk with a lender --- either a bank mortgage lender or a mortgage broker who may have other resources than just one bank
If you don't have a lender here are three you can call/email/text. They have helped me and many of my clients. Perhaps one of them can guide you along.
Home Mortgage Consultant
(415) 860-3285 cell
Your Personal Mortgage Consultant for Life
Private Mortgage (affiliate of Wells Fargo)