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Helpful Advice For A New San Diego Real Estate Loan

Mar 27, 2008
The process begins your new home search. One of the best places to search for your next San Diego home loan and your subsequent real estate property is through the listing provided to you by your realtor. Your realtor can help you find listings that meet your needs, though, the next step can help to really zero in on your best housing options.

That is to get pre approved for a mortgage loan. This is extremely helpful to buyers and sellers alike, as well as all other parties involved. A pre approval allows you to focus only on homes within your price range, and once you've found the one for you, your pre-approval allows the offer and escrow processes to go more smoothly as well.

From there you will want to do some pre offer research on your own. Before you make an offer on a home, be sure that are willing to pay any taxes and fees associated with the purchase of the property. Another thing to consider is the propertys resale value, especially if you plan on selling in a few years. Some neighborhoods have higher taxes than others, so do not assume that your prospective new home does or does not come with certain tax liabilities and restrictions, find out before you make your interest in the home known to the seller.

Then we are ready to move ahead, step up, and make that offer. The sooner that you do, the better your chances are of securing a new home. Deciding whether to offer less than asked, counter offer, and other strategies should be discussed with your realtor, since these strategies, as well as the limitations and amendments of such strategies, vary widely by location.

Don't forget to have the new home looked over, which means scheduling a home inspection. Make sure that the seller, and the seller's realtor, are upfront about such disclosures as lead paint and lead materials, and insulation materials as well. The state of California requires a full lead and lead paint disclosure, and if you are buying a home that is being sold by owner (without a realtor) there are other factors to consider and inspections that you should think about having performed as well that your realtor can discuss with you in detail.

Lastly, the most crucial and important step is to always make sure that you stay involved and stay informed. Just because your closing date is drawing near does not mean that your home buying experience has ended. Staying involved and updated during the closing process can help prevent delays that might otherwise bring everything to a grinding halt. Remember, this is your home, and your future, and you owe it to yourself to invest both your time and money into the home buying process.
About the Author
Find more information about buying a new home in San Diego and other San Diego Real Estate tips by visiting
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