First Time Home Buyers: Start Here.

Are you interested in buying a home but getting frustrated with the whole process or don't know where to start? It kind of gets annoying looking at all the bad information online and none of it matches up. I completely understand, and I'm going to show you the truth, I'm going to show you the most important things you need to know about when getting started and buying your first home. 

My name is Matthew Silva, I'm a real estate broker. I've been selling houses for over 20 years and I've helped thousands of families purchase a home in the Southern California area. And I'm going to show you some of the tips and tricks that I've learned and what you need to know to get started. 

First Time Home Buyers Checklist:

1. Meet with an agent

This person knows the market and knows what's going on and they should be sharing this information with you.  What I like to do is really get to know you and find out what you're looking for in a home, what areas you're looking at. Is it a family, do you have pets? What type of activities do you like to do? And this will help guide me as to what exactly I need to be finding for you. 

Now, part of this whole process is that your agent should be sharing with you market conditions, what other buyers are experiencing in the market and what you can expect when you go out there to buy a home. Now that you know what's out there and you are excited about purchasing a house, the next step is to get you pre-approved for your loan.

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2. Meet with lender

Now you're going to meet with the loan professional and this person should review all your different loan options, your down payment, all the costs and all the fees. And at the end he will give you an exact breakdown of your monthly payment, including all the costs involved. 

After everything looks good from there, you're going to want to deliver all your paperwork so now we can get you fully approved for your loan. Now that you've met with your lender, you're going to want to work with your agent to start hunting for homes. 

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3. Start the home search

Your agent will send you some listings to the internet and you should go over these homes and why you're looking at them, why aren't you looking at these other ones.

This is going to be an eye opening experience because now you're going to see homes you can actually buy and when you're seeing homes that you're liking, the next step is to schedule the showings with your agent. 

Now I would love it if I could just go right off and start showing you a home once you see it and you like it. But your agent has to schedule a time to show a lot of homes with the owners. So usually what we'll do is we'll set up a time to take a look at a few on the weekend or during the week, but this way you're being really efficient and effective with your time. Now that you're finding homes that you like, you're going to want to submit a solid offer on this.

4. Submit a solid offer

Now this is where the rubber meets the road and where you can actually save some money. Not everything in this world is based solely on money, but that's a mistake a lot of agents make, thinking that everything revolves around money. Well, these are humans and these are Americans. These are good people who need to sell their house, and they're just like you. So you'll definitely want to let them know more about who you are when they make that decision on who to sell to.

So I like to have my clients write a letter or tell me about their story of their lives and what brought them to this point so we can draft a beautiful letter talking about who they are. Then what I do is I put together a whole package that really shows off who you are with your offer. This makes it so much easier for the seller to make a decision to accept your offer. After your offer is accepted, the next step is to open up escrow. 

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5. Open Escrow

But you don't have a deal yet. You have to send in your deposit money, and now you're locked into the deal. Speaking about being locked in, now is a great time to lock in your interest rates. Once you actually meet with your loan guy, any interest rate he gives you is going to be an estimate. It's going to be a quote, but your rate is not locked in until he hits a lock button. Well, now you have a home, this is a good time to lock in your interest rate. 

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6. In Escrow

Now that you've got the Escrow open and your loan locked in, you're going to go through a series of inspections. You're going to check out the house, you're going to check out what damages are there, and there's always going to be some problems. This is where your agent also comes in. They will help you understand more about your home, what's important, and what things we negotiate for, what things we don't. And now we use any of those damages to help negotiate a better price for you. 

Now that you've had your inspections, you've negotiated repairs, and your loan is fully approved, you're ready to do your final walk through. 

7. Closing

This is where you make sure any damages have been repaired and the home hasn't been broken into and there's no new damages that you weren't expecting. Now that you've had your final walk through, you're going to want to bring in your funds and sign your final loan documents. 

After that, the loan goes through and you get a copy of your keys and it's time to celebrate.

Save thousands of dollars and find your perfect home with our FREE home buyers checklist.

By following this checklist you will stay on top of the whole process and at the end you will own your new home. Get started in the buying process by downloading your free copy today. 

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