First Time Buyer

Buying your first home is one of the most exciting and emotionally charged events of your life. However, there are a lot of things to think about as you go through the process to make sure you make the best decision – like getting pre-approved, finding the right realtor and understanding this concept called ‘escrow’.  Below are some personal and professional insights to help you navigate through the process:

Getting Pre-approved: This is the first step in the process – where the lender looks at your qualifications to determine how much home you can afford and provides you with the monthly payments associated with various purchase prices.  Also, having a pre-approval letter greatly strengthens your offer on a home.  It is a common mistake that first-time homebuyers skip this step and start looking at homes beyond their affordability.  Get this done first!

Choose a Realtor: If you don’t know of a good realtor in the area, we may be able to refer one to you or there are a number of websites that offer great reviews for local realtors (realtor.com, Zillow, etc.).  The goal is to find a realtor who has the experience and expertise in the area you wish to purchase.  But almost as important, the realtor should fit with your personality.

Understanding the Process:  Escrow, title insurance, pre-approvals, purchase agreement, loan applications…these are just a handful of the terms you will hear in the process.  The good news is that you don’t have to be an expert in these areas to purchase a home.  A qualified UMAX loan officer and realtor will provide all of the guidance you need to navigate the various steps in the process.

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2000 Broadway St.
Redwood City, CA 94063

5170 Golden Foothills Pkwy
El Dorado Hills, CA 95762

2173 Salk Avenue Suite 250
Carlsbad, CA 92008


Equal Housing Lender

CA Bur of Real Estate - Real Estate Broker - Broker#01514348. 

NMLS#: 780963

These materials are not from HUD or FHA and were not approved by HUD or a government agency. 

Any rates quoted are not guaranteed and are subject to market fluctuations.

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