Whether yoU’re a new buyer or looking to trade up or downsize, I’m HERE to help.
I’m sure you have many questions, and I am happy to answer them. The easiest thing to do is simply set up a time for a quick phone consultation. But let’s get to some of the most often asked questions first:
CAN I AFFORD TO BUY RIGHT NOW?
If you can afford to rent a home in Los Angeles, and have funds available for a down payment, you can probably afford to buy in Los Angeles as long as your job and credit history are good and stable. Most buyers have at least 20% down in today’s market; however, there are loan programs available with 15%, 10%, 5%, 3.5% and even 0% down. Some buyers even qualify for housing grants or down payment assistance.
In addition to your down payment, expect to pay for your inspections and appraisal costs out of pocket, plus lender fees and any pre-paid mortgage or insurance costs at closing. In this market, there is an opportunity to negotiate for the seller to contribute towards your closing costs as well. It takes a good agent to convince the seller that helping you buy their home is in their best interests.
Not all lenders are the same. Contact me to discuss which lenders may have the best programs available for your situation. Give me a call or email and we’ll set up a time to chat. No pressure. Just information.
HOW DO I GET MY OFFER ACCEPTED?
The market has normalized, so there is less competition, but great homes do still get multiple offers - often within the first days on the market. Depending on the property, we will likely want to submit your offer right away to secure a lower price if possible without competing offers. We’ll need your loan pre-approval letter (preferably a fully underwritten conditional approval), verification of funds and be prepared to submit 3% (typical deposit) of your purchase price into an escrow account if your offer is accepted. It typically takes multiple offers to get one accepted, yet most of my clients get one of their first 3 offers accepted.
I’m sure you have more questions about homebuying. Contact me for a complimentary homebuyer orientation or just an informal chat. We’ll set up a call, FaceTime or Zoom, or in person meeting to get started.
I’ll guide you through everything you need to know.
What you should know when buying a home…
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Don’t know what to look for when buying a home? Don’t worry. I’ve got you covered. I aim to stay 10 steps ahead so you know what to expect every step of the way.
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It’s as easy as that.
working with tiffany - the client experience:
As first time home buyers there are so many unknowns, we didn't even know what we didn't know. Tiffany handled our lack of knowledge with ease! She held our hands through the entire process. She answered ALL of our thousands of questions, at all hours of the day or night. She put up with our indecisiveness and made the experience beyond pleasurable, albeit still scary. She stayed in touch with us after we made the largest purchase of our lives and continued to answer ALL of our questions about being home owners. We couldn't have been luckier to have worked with Tiffany and we look forward to working with her again when we buy our next house...our next bigger house!
Todd Nenninger & Melissa Lekus
We were first-time home buyers with very little knowledge on what the market had for us. Tiffany was fantastic finding us a home that suited our needs and personal tastes. She was personable, as well as professional in every aspect. As a gay couple looking for our first house together, Tiffany guided us through the process with the utmost care and understanding. The whole endeavor of landing that perfect home went smoothly in Tiffany's hands. I recommend her to anyone!