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Home Buying Tips:
Hire The Right Agents:
Your home is likely to represent one of the largest investments of your life. In order to ensure that the transaction goes smoothly, it is of vital importance that you choose the right agents to represent your interests. The right agents should be experienced and have personalities that make you feel comfortable. You should try to find an agent(s) who is familiar and knowledgeable about the area you plan make your home.
Our clients always feel comfortable when working with us. Our goal is to take the time to get to know you, and find out what would be the perfect home for you. We feel our personalities and work ethic are just two of the reasons we are successful Realtors. Here's a comment from one of our Satisfied Clients - "I would highly suggest Chad & Yo Pagni. You'll love them & feel like you've known them your entire life!" - Kate Eckman.
Get Pre-Approved:
Hire The Right Agents:
Your home is likely to represent one of the largest investments of your life. In order to ensure that the transaction goes smoothly, it is of vital importance that you choose the right agents to represent your interests. The right agents should be experienced and have personalities that make you feel comfortable. You should try to find an agent(s) who is familiar and knowledgeable about the area you plan make your home.
Our clients always feel comfortable when working with us. Our goal is to take the time to get to know you, and find out what would be the perfect home for you. We feel our personalities and work ethic are just two of the reasons we are successful Realtors. Here's a comment from one of our Satisfied Clients - "I would highly suggest Chad & Yo Pagni. You'll love them & feel like you've known them your entire life!" - Kate Eckman.
Get Pre-Approved:
Do you already know how much home you can afford? There is nothing more frustrating than looking for a home, finding the perfect home, and then discovering that it is out of your price range. Speak with a lender to learn about the different financing options available to you. When you find the right lender get the paperwork processed so that you will be ready to buy when you find the right home.
Avoid Major Purchases:
In order to determine the amount of home you can afford a lender uses your debt-to-income ratio. This ratio is the percentage of your pre-tax income that you spend on debt. Your debt ratio will include: monthly housing costs, car payments, credit cards, student loans, and any other installment debt. If you take on more debt right before buying a home it is going to have an impact on the amount of the loan that the lender will finance.
Sign up for Property Watch:
In order to make an educated decision, you need to know about all the homes on the market. You can browse homes for sale on our website. Once you have found some homes you like, save those searches and sign up for property watch so that new listings will be emailed to you. The best homes move fast so you need to make sure that you are on top of the available inventory at all times so you do not miss out.
Go to our San Diego Property Search System page to learn more about how to utilize Property Watch.
Get Inspected:
The last thing you want to discover after you have bought a home is that you have purchased a "money pit". By "money pit," we're referring to a home that is full of defects that are going to end up costing you a lot of money. Save yourself a lot of time in future litigation and renovation by bringing in a licensed home inspector before you buy. If any problems are found, it will steer you away from a bad decision or help you negotiate a better price.
We have a list of inspectors and vendors to refer to you during the home inspection process.
Avoid Major Purchases:
In order to determine the amount of home you can afford a lender uses your debt-to-income ratio. This ratio is the percentage of your pre-tax income that you spend on debt. Your debt ratio will include: monthly housing costs, car payments, credit cards, student loans, and any other installment debt. If you take on more debt right before buying a home it is going to have an impact on the amount of the loan that the lender will finance.
Sign up for Property Watch:
In order to make an educated decision, you need to know about all the homes on the market. You can browse homes for sale on our website. Once you have found some homes you like, save those searches and sign up for property watch so that new listings will be emailed to you. The best homes move fast so you need to make sure that you are on top of the available inventory at all times so you do not miss out.
Go to our San Diego Property Search System page to learn more about how to utilize Property Watch.
Get Inspected:
The last thing you want to discover after you have bought a home is that you have purchased a "money pit". By "money pit," we're referring to a home that is full of defects that are going to end up costing you a lot of money. Save yourself a lot of time in future litigation and renovation by bringing in a licensed home inspector before you buy. If any problems are found, it will steer you away from a bad decision or help you negotiate a better price.
We have a list of inspectors and vendors to refer to you during the home inspection process.
Additional pages to review before buying a home:
San Diego Property Search System - A detailed explanation about how to best utilize our state of the art San Diego Property Search System.
San Diego Property Search System - A detailed explanation about how to best utilize our state of the art San Diego Property Search System.
PAGNI REAL ESTATE
PAGNI REAL ESTATE
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