Find Your Dream Home with ASG Realty

The first step is to get pre-approved for a mortgage.  This involves contacting a lender to assess your financial situation, credit score, and determine how much you can afford.  Getting pre-approved helps establish your budget and shows sellers that you're a serious buyer.

 To determine how much home you can afford, your Pre-Approval Financing Estimate will give you a break down of your mortgage payment (PITI)principal, interest, est. property taxes and insurance costs.  All of these are determined by your debts, FICO score, Income, savings for down payment and closings costs.  

It is highly important before searching for potential homes,  to have your pre-approval & financing estimate completed and approved by a mortgage lender.  

Most buyers who are looking for homes on the market do not have a pre-approval completed, which hurts their chances of an offer on a home you just cant pass up.  Much like shopping, knowing how much is in your bank to budget is essential to staying within your comfort zone.  Waiting until the last minute increases the chances to lose out on that home to someone else is ready to submit and have their offer accepted.  The old saying goes, if you fail to plan, then you are planning to fail...we create plans for success with your real estate goals

Down payment, Closing costs of the home’s purchase price (covering loan fees, title insurance, appraisals, etc.), home inspection: $400-$800, depending on the property size.  Property taxes & homeowner’s insurance, some homes may have HOA or Mello-Roos Fees as ongoing monthly or annual costs.  Moving expenses, additional costs for hiring movers, packing supplies, etc...

 When choosing a REALTOR®, look for someone who prioritizes your goals not their bottom line,  who is active daily in the real estate market,  reputation to get your offer accepted and to guide you through one of the most monumental moments in your life. At ASG Realty, longevity is our focus to ensure you get the best advice and service—every step of the way of your home buying process...and beyond.  Once you work with us, you have us in your corner well beyond after you are handed the keys to your new home.  Our goal is to create a real estate lifeline for our clients when and where they need it most, at home.  With our many years of past experience in the service industry, we pride ourselves on delivering a 'Well Beyond Keys' resource service for our past clients.   

Escrow is a neutral third party (often a title company) that holds important documents, funds, and acts as a safeguard during the home buying process. The escrow agent ensures that all terms of the sale are met, including verifying the title, transferring funds, and facilitating the closing process.   Our Escrow Partners Foundation Escrow are critical to our clients low-stress real estate experience.

A home inspection is crucial as it identifies any potential issues with the property (such as structural damage, electrical or plumbing problems). This helps you understand the condition of the home before making a final decision and can sometimes be a negotiating point with the seller. 

 Closing costs typically range from 2-3% of the home’s purchase price. For example, if you’re buying a $800,000 home, you could expect to pay $16,000-$24,000 in closing costs.  One Way to mitigate out of pocket closing costs is to ask the seller for concessions for closings in the offer.  Our clients have found success getting closing costs deductions by using our strategies when submitting and negotiating offers. 

Have a question or want to schedule a buyer & pre-approval consult?  Contact us today and we'll get back to you as soon as possible.