Buyers

The purchase of a home is one of the most significant and exciting decisions that most people make in their lives. The American Dream has long been associated with the right to own your home!

If you are looking to purchase a home, market conditions are ideal. Economic experts consider this to be a fantastic time to purchase a home. Many people who have not been able to afford to purchase a home, now find themselves in a position where home prices are within their reach. In many cases, it is now less expensive to own a home than to rent.

It is common for prospective home buyers to start their home buying process with some basic research. We encourage you to use the internet to start looking at homes that are currently for sale. We may be a bit biased, but we think you will find our property search tools to be the ideal place to start looking at homes and to start identifying communities and property styles that may be of interest to you.

Look for homes of interest virtually anywhere in the Northern California and Nevada. Once you have decided on the general area and price range that meets your desires, we invite you to register for our Home Alerts Program which will allow you to save your property search criteria, save and review specific homes, and receive automated email alerts when new properties come on the market.

As you begin the home buying process, it is helpful to have the assistance of a real estate professional to serve as your personal resource. We look forward to helping you when you are ready.

The home buying process involves the following significant steps.

• Identifying Your Housing Needs.
• Identifying Possible Locations.
• Selecting a Professional Real Estate Agent
• Understanding Financing Options and becoming Pre-Approved for loan.
• Searching for Homes.
• Analyzing potential Properties.
• Making a Purchase Offer.
• The Purchase Agreement.
• Loan Application and Approval.
• Inspections.
• Closing; Managing the Escrow Process.

Mortgage Financing is an integral part of the home ownership experience, as most home buyers require financing in order to purchase their home. There are a wide variety of financing options that are available to prospective home buyers. Our home financing resources can help you to navigate the financing options that may be available for you.

Whatever your level of home buying experience, we have the tools and information you need to start the process with confidence.

A mortgage is a loan that is secured by real estate. Because real estate tends to sustain its value, lenders are willing to lend significant amounts of money for the purchase of a home; oftentimes requiring the borrower to contribute only a small percentage of the total cost of the property. In the event that the borrower is unable to repay the loan, the lender would have the ability to take over the ownership of that property.

Your mortgage provider plays a significant role in the success of your home purchase. To start the pre-qualification process we invite you to visit CMG Financial, a preferred provider.