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Buyer's Guide

A Step-by-Step First Time Buyer's Guide

Buying a home is 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 buyer’s guide created by your agent will help reduce the stress of buying a home and help you enjoy the journey as much as possible.

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Step 1: Research

Do you already know where you want to buy? If you want a condo, townhome, or single-family home? Which features do you like and dislike? What’s available on the market now? If you answered no to any of these questions, now is the time to start researching. In addition to looking for homes that interest you, also take note of any changes in asking prices. This could give you valuable insight into housing trends in specific neighborhoods and help you when the time comes to make an offer.

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Step 2: Decide on Your Budget

Notice I said to decide on your budget—not determine how much the mortgage company will give you. In many cases, a mortgage company will pre-approve you for more than you’re comfortable spending, which is why you need to determine the monthly payment you feel comfortable with before talking to a lender. This likely includes doing a full household budget and taking into consideration what changes other than a mortgage payment will occur once you move into your new home. If you’ve lived in an apartment or with roommates, you may overlook new expenses like garbage, water, or HOA fees that could easily blow your budget.

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Step 3: Get Prequalified

Just because you think you can afford a certain payment every month doesn’t mean the mortgage company will agree. Just as they may approve you for too large of an amount, they may also approve you for a lesser amount or deny you a mortgage altogether. Lack of time at a job, insufficient credit, past bankruptcies, or other financial issues can cause major problems when trying to secure a mortgage. Before you get your heart set on a home, talk to a mortgage professional to find out what amount you can qualify for. This will also be an advantage when you make an offer on a home, as some sellers won’t entertain offers from those who aren’t already prequalified for a loan.

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Step 4: Choose a Real Estate Agent

Can you shop for, look at, and ultimately make an offer on a home without a real estate agent? Technically yes, but why would you when it costs you nothing for an agent like me to take much of the stress off your shoulders? Not only will I help identify properties you might be interested in, arrange showings, and ultimately handle the offer process, but I also have a knowledge of the market that you don’t possess. Finding the perfect home can be a daunting task, this is where my expertise and wealth of knowledge come into play. Let me show you around some homes that meet your dream home criteria so you can find the one that's right for you.

My Goal Is to Provide You with The Most Personalized Service that Is Designed to Help You Buy Your Dream Home

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Step 5: Find the Right Home

This should be the most enjoyable step of the entire process (other than moving in!). I will arrange showings of homes you’re interested in that are within your price range. Take notes about what you like and don’t like, and make sure to pay attention to details. Turn light switches on and off, open and close doors, and run the faucets in various rooms. Don’t limit your inspection to the home itself. Make sure to take time to explore the neighborhood and keep an eye on traffic at certain times of the day, the parking situation, and how close it is to necessities like schools and grocery stores.

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Step 6: Make an Offer

Once you have selected the perfect home, work with your agent to craft a fair offer based on the value of comparable homes on the market. Depending on what the home is listed at and whether the current environment is a buyer’s or seller’s market, your offer may be below, at, or even above the asking price. I will be able to help you negotiate if you receive a counteroffer and reach an agreement. At this point, the house will go into escrow.

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Step 7: Have the Home Inspected

In most cases, your offer will be contingent on having the home inspected to ensure there is no major structural damage or large repairs needed. I can help you arrange this, and you can schedule it within days of making an offer. If there are no major issues, the process goes to step eight. If there is, you can renegotiate your offer based on what needs to be fixed, or you can withdraw it.

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Step 8: Select Your Loan

Now is the time to go back to the mortgage lender who pre-approved or pre-qualified you and choose your mortgage. You will be presented with various options based on your unique financial situation, including fixed-rate, variable-rate, 15-year, 30-year, or special programs such as VA loans or FHA loans. Work with your mortgage lender to select the option you feel the most comfortable with.

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Step 9: Get a Home Appraisal

Your lender will have your new home appraised so they have their independent value of it. The appraisal is to ensure that all parties involved are paying a fair price for the house.

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Step 10: Finish Paperwork

No one looks forward to all the paperwork involved in buying a home, 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 know you are the legal owner of your new home.

Congratulations!

After signing the final paperwork to complete the purchase, you are now the owner of a new house. It may take a few days for your loan to be funded once the paperwork has been returned to the lender, but once that check is delivered to the seller, you’ll be all set to move into the home of your dreams. 

Testimonials

Christy J.

Christy J.

Elsa is always available and the first one to know what is happening with listings on and off market to help you get the best house you’re looking for. She’s knowledgeable in the real estate field and will work diligently to ge...
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Gene & Genie B.

Gene & Genie B.

Julie, Mark and Elsa comprised a well-organized team that saw us through the entire process of selling our home with maximum support. They shepherded us through each stage of the process, assisting with the removal of unwanted ...
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Melanie A.

Melanie A.

Elsa is a native of the area and she knows the neighborhoods inside and out which gives you valuable insight into the real estate market and characteristics of each neighborhood. Her kindness, interest, follow-up, and tenacity ...
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Joan H.

Joan H.

Without question I highly recommend Elsa Garza. Very professional, personable and will work diligently to make the selling/buying process a smooth one with her team of organizers, movers, painter, and of course the stager, work...
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Bryan Z. & Dawn C.

Bryan Z. & Dawn C.

Elsa did an outstanding job in assisting us with the purchase of our home. Her expertise in the geographic area and her personal connection within the real estate community was instrumental in determining a competitive purchasi...
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Stacy L. & Luke C.

Stacy L. & Luke C.

We are so happy to be in our new home close to family and Elsa made this possible for us! In addition to her expertise in home buying, you receive amazing connections with great professionals (lender, organizer, plumber, handyp...
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Jon & Courtney K.

Jon & Courtney K.

This was our 10th home buying process and Elsa has been the first realtor we worked with whom we felt truly earned her commission. She was on top of both selling our old home and buying our new home from day one. Elsa helped us...
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Magali L.

Magali L.

I was very lucky to have found Elsa as my realtor for my first home purchase. Elsa is a wonderful person and is very passionate about her profession. Throughout our home purchase, Elsa showed strong ethics, was very honest, and...
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Julie W.

Julie W.

I am delighted to share my experience working with Elsa Garza on a recent real estate transaction. As the listing agent, collaborating with Elsa, who represented the buyers, was an absolute pleasure. Elsa's professionalism, exp...
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Lily N.

Lily N.

I had the pleasure of working with Elsa Ochoa, a long-time friend, during the sale of my home. From the moment we decided to embark on this journey together, I knew I was in good hands. Elsa not only demonstrated her expertise ...
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Soniya S.

Soniya S.

Elsa is a great agent. It was great working with her. She made our home-buying journey a memorable one. She is hard-working and provides clear guidance. Her communication is quick, transparent, and timely. She patiently answere...
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Sunil M.

Sunil M.

Elsa is a great person to work with. She went above and beyond to help us secure a home in this highly competitive market. Writing up the best offer by understanding the seller's interests and being upfront in telling them that...
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Travis & Lyza S.

Travis & Lyza S.

Elsa was awesome. She went out of her way to accommodate us and find us our dream home. Elsa's communication is superb as she communicated every step of the way and kept us in the loop at all times. Even when things weren't goi...
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Rebecca H.

Rebecca H.

Elsa delivered impeccable service, is impressively skilled at managing details and her advice led us to higher profit than expected! Couldn't have asked for a better experience, she is top-notch!
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Michael H.

Michael H.

Elsa is a true professional. She helped us list our place while we were out of state and handled everything for us from repairs to renovations to inspections, etc. She can do it all! On top of that, she is very timely and commu...
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