Welcome to Proven Results Realty.

Buying A Home

Now is a great time to buy!
Interest rates are the lowest they have been in years and loan qualifying is made even easier with no down payment programs for certain qualified buyers.

Sign up for our "What To Expect Course"
This class is great for first time buyers!
You will have a much better understanding of the sale process, from title to ecsrow to closing costs, a better understanding leads to a smoother, less stressfull and monitarily better purchase experiance.

Closing Costs
Closing costs can range between 2 to 5 % of your sales price. This is in addition to your down payment. Following is only a partial list of potential closing costs... Broker Fees, Loan Tie In Fees, Funding Fees, Recording Fees, Lenders Title Insurance, Owners Title Policy, Escrow Fee, Appraisal Fee, Notary Fee, Report Fees, Home Repair Fees, Survey Fees, Permit Fees, Building Inspection Fees, Home Warranty Fees, Geological Inspection Report Fees, Origination Points, Discount Points, Lock Extensions Fees, Home Inspection Fees, Credit Report Fees, Credit Re-Scoring Fees, Tax Service Fee, Prepaid Property Taxes, Home Owners Insurance Fees, Flood Insurance Fees, Fumigation Fees, HOA Dues, Impounds, Levys, Prepaid Mortgage Insurance, Transfer Taxes, Special Assessment Fees, Credit Rescoring Fees, unfortunatly these fees can and do add up quickly, and if not prepared for early, can quickly derail your purchase and wind up costing you thousands in lost deposit money.

Credit
Before you start shopping for a loan, be sure to run and review your credit report for inaccuracies before submitting your application to your lender. We can assist you with preparing your credit before you apply for a home loan

Get Pre Approved
Before you start looking for your dream home,
its a good idea to have your financing in place.
Most sellers will not even consider accepting an offer unless it is accompanied with a pre-approval letter from a lender.

Finding A House
Touring homes for sale can be one of the most exciting steps in buying a home. With the help of your Broker, you can save time by limiting your search to homes that meet your financial and personal criteria.

Making an Offer
Making an offer on a home does not automatically obligate a buyer to purchase. Included in the offer are contingencies that the title to the home must be clear and the home must pass certain licensed inspections. Your Broker will assist you in making the most reasonable offer, based on his knowledge of the current California real estate market.

Negotiating
It is common to receive a counter offer from the buyer, sometimes asking to split repairs, Title or Escrow Fees or other closing costs. At that point a buyer can accept the counter offer, submit a counter offer of their own or reject the counter offer at no penalty and continue their property search..

Get Insurance
Before you will be allowed to close the loan and officially take ownership of your new home, you will need to buy homeowner's insurance. A typical home insurance policy protects against theft, fire and liability, but if you live in an area of California prone to earthquakes, consider a policy that will also cover earthquake or in certain areas flood damage.

Closing
The typical period for escrow is 30 - 45 days due to new lender regulations; however, you may have agreed to a shorter or longer escrow period during negotiations. During escrow the transaction process becomes finalized. Title records are checked for errors, taxes and other claims must be settled, loan and title documents are signed and the buyer is allowed a final walk through to make sure the condition of the property has not changed. After all the necessary paperwork is signed and filed and escrow has closed, the new owners receive the keys to their new home and are free to move in.

If you have any Real Estate related questions, please feel free to call 714-421-1499
or email atozfinancial@gmail.com.

CA Bureau Of Real Estate
Broker Lic. # 01342323