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A short guide to the home buying process.

For most of us, a mortgage is one of the biggest financial decisions we’ll make. Securing a great loan means resting easy once your loan is approved.

PRO Tips for First-Time Homebuyers
Even if you’ve owned a home before, you may still qualify for first-time homebuyer advantages, such as lower rates or a small down payment.

Easy Steps to Closing

Step 1
Let's understand your goals

We have a stream-lined refinancing process to keep things easy and stress-free for each client. This is a great opportunity to ask us questions and tell us about your goals!

Step 2
Lock in a great rate

We’ll analyze the lending market and secure you agreat mortgage rate. If the rates change during the process, you can rest assured your rate is secure.

Step 3
Review your new refinancing options

We’ll present great options to consider based on your qualifying information and personal goals. Once you decide on a loan, we’ll finalize your application.

Step 4
Documentation roundup

We’ll work with you to make sure all documents are in order and submitted on time to keep the process running smoothly.

Step 5
Home appraisal

Now it’s time to get a formal appraisal. This will verify the current market value for the lender and secure the final terms of your new loan.

Step6
Close and celebrate

Once the lender approves your loan, we’ll go over the terms of the final agreement. Once the paperwork is signed, it’s time to rest easy!

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Start your application in just 5 minutes.

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Or give us a call at 619-708-5438. We’d love to connect with you!

PRO Tips for First-Time Homebuyers

According to the U.S. Department of Housing and Urban Development (HUD), a first-time homebuyer is a person who meets any of the following:

  • An individual who has not owned a principal residence for three years
  • If you owned a home but your spouse has not, then you can purchase a home together as first-time homebuyers.
  • A single parent who has only owned a home with a former spouse while married.
  • A displaced homemaker who has only owned a home with a spouse.
  • An individual who has only owned a principal residence not permanently affixed to a permanent foundation in accordance with applicable regulations.
  • An individual who has only owned a property that was not in compliance with state, local or model building codes—and that cannot be brought into compliance for less than the cost of constructing a permanent structure.

Advantages for First-Time Homebuyers

As a qualified first-time home buyer, there are a lot of benefits available to you:
  • Government-backed loans with low interest rates
  • Flexible guidelines when qualifying
  • Down payments as low as 3%
  • HUD-issued grants and state assistance programs
  • Specialty products combining 1st and 2nd mortgage loans
  • Flexible guidelines to secure and source your down payment
  • IRA funds withdrawn without penalties
  • Tax deductions for points and/or loan origination fees
  • Tax deductions on mortgage interest, energy credits and property taxes

What People Are Saying

★★★★★ 5/5
Highly recommend Scott for all your loan needs and feel Scott deserves a 5+ star rating. Scott patiently researched various loan options until we found the right refinance for my needs. He "listens", communicates, which is high on my list, efficient and always calm. It was a pleasure working with Scott and his team.
Sarah L.
Lakeside, CA
★★★★★ 5/5
Scott went well beyond the "extra mile" to walk us through a complex process of finding the right lender and terms for our special needs. He was extremely courteous and forthright as we together worked through the various issues while he was providing solid suggestions and guidance.
Tom M.
Carlsbad, CA
★★★★★ 5/5
Scott help my husband and I re-finance our townhouse this year and made the process as easy as it possibly could be. He conducted weekly calls with us to let us know the status of the loan and what would happen next. He was always available by email and phone to answer any questions. I would highly recommend working with Scott and his team!
Heather B.
San Diego, CA
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