If you've never purchased a home before, you need to read this before you do.
My name is Dale Downing and I've been a Realtor in San Diego County for last 8 years helping buyers purchase homes all over San Diego county. If you follow the steps below, you will find your dream house.
How much House can you afford? The very first thing you should do even before you go look for homes, drive neighborhoods or search the internet, is to speak with a professional loan officer. If you don't take this first step, you don't know how much house you can afford or even more importantly, do you qualify to purchase a house.
Once you have been pre-qualified to purchase (now you should know your purchase price), ask around for a great Realtor who can assist you with the entire transaction. Referrals are usually the best.
Now that you have a Realtor and you know the highest price house you can afford, it's time to look for your home. The most important part of buying a home, in my opinion, is location. If you buy a nice house in a bad location, you are stuck. You can't lift up your house and move it whenever you want. If you purchase a home that needs a little work but is in a great location, you can always fix it up over time. And trust me it's a lot better to drive through a nice neighborhood to your home, than through a bad neighborhood to get to your home.
Once you find the neighborhood that you can call home, the search is on. Don't get discouraged if you don't see anything you like right away. New homes come on the market every day. If you stay persistent, you will get your dream house.
In the 8 eight years I've been a Realtor, I have never failed to find a buyer their dream home in their favorite neighborhood.