Remember, if you have any questions we are always just a phone call or email away.

• Work with trusted professionals. Your home is likely to represent one of the largest investments in your life. In order to make sure that the transaction goes smoothly, it is of vital importance that you choose the right real estate agent to represent your interests. The right agent for you will be someone whose knowledge and personality makes you feel comfortable.  And always work with a licensed REALTOR®.  Real estate is an ever-changing industry, so you want to make sure your agent has access to up-to date tools, resources and statistics. 
• Get pre-approved. Do you already know how much home you can afford? There is nothing more frustrating than looking for a home, finding the perfect home, and then discovering that it is out of your price range. Speak with a lender to learn about the different financing options available to you. We work with several different loan officers and are happy to put you in touch with one of them.  It is also important to feel good about the loan officer you choose to work with.  Once you found one you are comfortable with, complete your loan application right away.  In this market, the majority of sellers (banks included) will not consider an offer submitted without a pre-approval letter. 
• Avoid major purchases. In order to determine the amount of home you can afford a lender uses your debt-to-income ratio. This ratio is the percentage of your pre-tax income that you spend on debt. Your debt ratio will include: monthly housing costs, car payments, credit cards, student loans, and any other installment debt. If you take on more debt right before buying a home it is going to have an impact on the amount of the loan that the lender will finance.
• Be educated on current market conditions.  In order to make an informed decision about what neighborhood to buy in, you need to understand the existing inventory and how much properties are selling for. You can browse all the active listings on the San Diego Multiple Listing Service (MLS) from our website.  Sign up for our complementary VIP membership, which allows you to search homes with the specific criteria you are looking for.  Our system saves your search and notifies you via email when there are new listings that meet your criteria or has a price reduction.  It's a valuable tool that allows you stay on top of the available inventory at all times, so you don't miss any opportunities.  The best homes always move fast! 
• Ask Questions. No one knows the home better than the seller of the property.  Try to find out the last time service was performed on the roof, furnace, and water heating. Asking the right questions now can end up saving you a lot of money in the long run. 

See a sample below of our VIP Membership search.  Join today!