MORTGAGE CALCULATOR
$
$
$
$
$1,583.33
MONTHLY PAYMENT
Principal & Interest
$1,275
Monthly Taxes
$208.33
Monthly HOA
$50
Monthly Insurance
$50.00
Down Payment
$12,500
Loan Amount
$237,500
A STEP-BY-STEP BUYING PROCESS
Buying a home should be exciting and stress-free. I'm here to make sure of that!
Step 1: Research
Decide where you want to buy, the type of home you want, and the features that matter most to you. Pay attention to pricing trends and what’s currently on the market.
Step 2: Decide on Your Budget
Set a monthly payment you’re comfortable with before talking to a lender. Factor in expenses like taxes, insurance, utilities, and HOA fees so there are no surprises.
Step 3: Get Prequalified
Talk to a mortgage professional to see what you actually qualify for. This helps set realistic expectations and makes your offer stronger when it’s time to buy.
Step 4: Choose a Real Estate Agent
Work with an agent who can guide you through the process, schedule showings, negotiate on your behalf, and reduce stress from start to finish.
Step 5: Find the Right Home
Tour homes within your budget and take notes on what you like and don’t like. Look beyond the home itself and evaluate the neighborhood, traffic, and nearby amenities.
Step 6: Make an Offer
Once you choose an offer, I’ll review the contract details to ensure everything is accurate and protected.
Step 7: Have the Home Inspected
Schedule a professional inspection to uncover any major issues. Depending on the results, you can move forward, renegotiate, or walk away.
Step 8: Select Your Loan
Choose the mortgage option that best fits your financial situation, such as a fixed or adjustable rate, and confirm your loan terms with your lender.
Step 9: Finish Paperwork
Complete the final documents with your lender and title company. Once signed and recorded, you officially own your new home.
Crystal Sandoval, Realtor®
License # S.0183652
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