Buyers
NOW IS THE BEST TIME TO BUY!
Save up to 50% of your lender fees when you buy a home through us!
- GO TO & PRINT LOAN APPLICATION (CLICK "loan application" in header)
- COMPLETE LOAN APPLICATION AND FAX TO 858-630-3644 get pre-approved, securing your financing
- MAKE AN APPOINTMENT: frans@homedreams.com or 619-985-7252
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I helped a San Diego Firefighter with his home and loan. Negotiated for the seller to pay buyer's closing costs and got him a low 3.99 % fixed rate in a 4.25% market.
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A Doctor client from Santa Barbara purchased a BANK-OWNED VACATION HOME in Downtown's Columbia District with a HARBOR BAY VIEW for $177,000 less than what the previous owner paid. When they want to come to San Diego, all their family has to do is board the Coastal Train from Santa Barbara and it stops right at their luxury high rise building!
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I helped another couple buy their first home. They really appreciated I was able to arrange their mortgage financing and find them a home at the same time.
Our specialty of one-stop-service really worked out well for them because they have such busy lives... and wanted one person to handle ALL the details! They also received a cash rebate instead of a gift basket from us...
Buying a home is an exciting time in one's life. Making the smart move of choosing an experienced agent is your first step to ensuring that your new home and community meets your needs. Our services and expertise range from mortgage options to helping you find the right home that best suits you.
We also provide listings by email by signing in at "search homes in MLS" to receive emails of homes in your price and preferred area!
How We Can HelpBefore you start looking
Closing Costs
- Assure that you see all the properties in the area that meet your criteria.
- Guide you through the entire home buying process, from finding homes to look at, to getting the best financing, to being there at the close of escrow.
- Make sure you don't pay too much for your new home and help you avoid costly mistakes.
- Answer all of your questions about the local market area, including schools, neighborhoods, the local economy, and more.
Before You Start Looking For Your New Home:
- Check your credit rating through our mortgage company. Straighten out any errors before its too late. Allow us to help you with credit analysis and credit repair if needed.
- Determine a comfortable monthly budget for your new purchase, including down payment and monthly payment.
- Find a loan program that meets your needs and get pre-qualified and pre-approved and obtain a wholesale lender commitment.
- Choose an agent that you trust and who understands your needs.
- Determine what neighborhood best matches your needs.
- Identify important features you need your new home to have.
- Lender fees include origination fee, loan processing, underwriting, loan documents
- Third-party fees include charges for insurance, title search, and other inspections such as termite inspection and clearance.
- Government fees include deed recording and state & local mortgage taxes.
- Escrow and interest fees include homeowner's insurance, loan interest, real estate taxes, and occasionally private mortgage insurance.
Find out how much your closing costs could be.
