One of the first tasks to handle is determining your formal budget and getting fully pre-approved.
We recommend talking to someone local who you can meet face to face to go over your options, and we have great relationships with multiple lenders around California who will be phenomenal.
There are a lot of words that you’ll discuss, don’t be afraid to ask questions! PMI, PITI, credit score, debt to income ratio, down payment, FHA, VA, Conventional, seasoned funds, gift letter, pre-qualification and pre-approval, tax returns, etc..
Getting yourself fully pre-approved with a lender that you decide on will make sure you have a full understanding of the financial piece, but it also helps you strengthen your offer when we present it to a listing agent/home seller.
And just remember your lender and your agent work as a team to get you into the home you love.