1. Meet with a Local Mortgage Banker to get prequalified for mortgage financing. The Mortgage Banker will review all facets of your loan request to answer your questions with regards to the types of loans and maximum loan amounts you could qualify for.
2. Get a referral to a good, local, real estate attorney. Call the attorney, retain the attorney so you have her information handy when you make an offer. Having that information at time of offer helps you demonstrate to the Seller how serious you are, and they will consider your offer with more interest.
3. Line up a Home Inspector. A good home inspector will scare the heck out of you: that's what you pay him for! But you'll concentrate on the fundamentals of the property: roof free of leaks, plumbing, heating and electrical up to code and in good working order. Again, when you make an offer and you have your Home Inspector ready to go, your offer will be considered with much more interest by a Seller because you truly have your "ducks in a row" and your preparation demonstrates your serious attitude about conducting the purchase transaction in a timely manner.
4. Find an experienced Local Realtor who works in your desired shopping area. A serious pro Realtor will refuse to show you homes until you are Prequalified for mortgage financing. Don't take offense! That Realtor doesn't want you to be disappointed and wants you to have a smooth experience as you shop for your new home.
Put together your Team of real estate professionals and shop 'til you drop!
My name is Dâ€™Adrea Davie, I work with my mother, Rosemary Brooks together we are the Mother & Daughter Realty Team. My suggestion is to work with a buyerâ€™s agent versus the sellers agent. I think this is one mistake buyers make when purchasing...both will guide you through the process, but a buyers agent is vested in only you whereas the listing agent will have an invested interested in both parties and sometimes it can be difficult to do.
Being a first-time homebuyer, I would suggest interviewing at least 3 Buyers Agents to assure that you are with an agent that is equipped to fulfill your home buying needs. San Joaquin has a list of first-time home buying programs that will require a low down payment and some that will assist with the down payment. In order to take advantage of these programs you will need to qualify and utilize participating lenders.
I also suggest attending a 8 hour first-time home buying class. This class will inform you of some of the available programs available for first-time homebuyers and educate you on the process of purchasing a home. Feel free to contact me for further information.
I would also suggest working with an experience HUD Home Selling Agent so you can take advantage of possibly purchasing a HUD Home. HUD Homes are affordable, many are FHA approved, and require no appraisal fee (which is one less thing that you will have to pay for).
The most important thing is to find an agent that is going to work hard for you, teach you responsible homeownership, and release some of stress from purchasing a home. We would love to work with you. I suggest visiting and sign up on our website at http://www.motheranddaughterrealtyteam.net to receive up to date real estate information.
Like us at http://www.facebook.com/FirstTimeHomeBuyers.DPA and http://www.facebook.com/motheranddaughterrealtyteam for updated market and purchasing information. Contact us at (209) 910-3706 for additional questions about purchasing a home!
I have a couple reviews on local.yahoo too under, Elwood Humphries, RealtorÂ®
I have a great banker I work with or we also have an in house lender if you don't already have someone. Please read my reviews before working with anyone else, please read theirs as well, you should make an informed choice. I always answer my cell or return calls promptly, email replies quickly and texts too. I will keep you informed every step of the way.
CHRISTIAN CHRISTOPHER REAL ESTATE was founded by Christian Christopher Cervantes (Chris).
Chris was born and raised in the Stockton area, his family having moved to the vicinity more than 70 years ago.
Chris holds a Bachelor Degree from the University of the Pacific, with studies in both Pre-medicine and Business Administration. While at the University of the Pacific, he received distinguished membership in the Alpha Sigma Lambda National Honor Society for his academic achievements.
In 1999 Chris began investing in Real Estate and furthering his studies in all areas of residential real estate including real estate transactions, contracts, mortgage lending, tax advantages, property management, and investment strategies. This resulted in a very comprehensive, hands-on knowledge of the local real estate market.
Chris is the recipient of TOP SALES ACHEIVEMENT award. Along with his highly trained team of Realtors, Chris's years of experience combined with his determination and enthusiasm creates a winning combination that you can count on to represent you in any of your real estate transactions. Chris is a member of Central Valley Association of Realtors, National Association of Realtors, and California Association of Realtors.
CHRISTIAN CHRISTOPHER REAL ESTATE is committed to continuing to serve area home buyers and sellers with superior dedication, honesty, integrity, and professionalism.
CHRISTIAN CHRISTOPHER REAL ESTATE
As you can see there are many Real Estate agents ready and willing to help you. I'd like to add my name to the list. You may want to check out PMZ Real Estate's website: PMZ.com. We have a terrific website with many helpful features. On my web page is JTruscott.pmz.com you will find several helpful features as well as some comments from satisfied clients.
I thoroughly enjoy working with home "buyers" and would appreciate the opportunity to help you find a home.
Jan Truscott, DRE# 01885265
PMZ Real Estate
I have been working with buyers in this area for 9+ years and have intimate knowledge of the area. I love working with first time buyers and would love the opportunity to find the right home for you. Please contact me right away using the number below and we can discuss your plans. I look forward to hearing from you!
Prudential California Realty
As you can see by the responses already, there is plenty of help out here for you.
I grew up in Stockton and know the area very well. I'm out showing homes several days a week in Stockton and I'm familiar with what's available for you in just about any price range.
I'd be more than happy to assist you throughout the whole process to help make it go as smoothly as possible for you.
Feel free to message me or call me directly.
We've got some great associates up in the Stockton area that would be glad to help you out with everything from getting financing to closing the deal.
Give me a call and we'll get you set up with a great Stockton Realtor.
Adam Dalton, Century 21 M&M
I am a licensed realtor and have worked with many first time home buyers. Please contact me by phone/text/ or email and I will be more than happy to assist you through your home buying process.
Prudential California Realty
3202 W. March Lane #D
Stockton, CA 95219
Joseph Smith, RealtorÂ®
5713 N. Pershing Avenue Suite E
Stockton, CA 95207
DRE License # 01427426
Office (209) 476-4257
Cell (209) 969-4498
Fax (209) 762-5238