Buyers Resource

Buyers Resource

Faq's

North San Diego County Coastal:

Del Mar, Carmel Valley, Solana Beach, Rancho Santa Fe, Encinitas and Carlsbad, La Costa, Fairbanks Ranch, Cardiff by the Sea, Lomas Santa Fe

We've got the answers you need to all your home buying questions!

Buying a home is both thrilling and a bit unnerving, especially if you're a first-time home buyer. Both experienced home buyers and first-time buyers alike will benefit from the frequently asked questions below. Before you begin your home search, it is recommended that you prepare yourself for the journey by educating yourself. This will ensure you are a knowledgeable home buyer prepared to make a confident home buying decision. Feel free to contact me with any additional questions you have.

Q - I've never purchased a home before.  Where should I begin?

A - Actually, you've already started the process. With more than 30 years of San Diego County Real Estate experience, Jeff knows San Diego!  Fact-finding and reading articles is a great way to become a smart consumer. The highest priorities to focus on before you begin searching for specific areas, neighborhoods, or homes would be to:

  • Familiarize yourself with your personal finances.
  • Learn about the North San Diego County Coastal Area
  • Carefully review your budget and begin to eliminate as much debt as possible.
  • Have a down payment and earnest money ready when the time comes to act and make your offer.

 Visit the Area Info section for more details and information

Your next step is to contact me. As your home buying specialists, I'll protect your interest and manage the details of the real estate transaction on your behalf to your complete satisfaction.  For more experienced buyers, a little brush up on the real estate process wouldn't be a bad idea. Of course, you'll need a really sharp North Coastal San Diego County real estate expert to protect your interests too!

Q - With all the bad news about mortgage products and home foreclosures, how do I avoid making a big mistake when deciding which type of loan to select?

- Once we meet and review your finances along with your home buying needs, you should select a lending consultant. I can recommend several trusted lending professionals or you can choose your own. Having upmost confidence in your lender is important. Be sure you feel completely at ease with them.  They should speak to you in easy to understand terms.  Ask lots of questions and never sign any document until you know what you are signing and feel completely at ease signing it. More and more lending professionals are recommending fixed interest rate loans and interest rates are still very attractive. Of course, the type of loan best for you depends on several factors. Here are just a few:
  • How much money do you have for a down payment? 
  • How is your credit rating?
  • How long do you plan to live in the home?
  • Do you qualify for a FHA or VA loan?

To learn more about the different types of home loans, Click here 

Because of more homes are on the market here in North San Diego County Coastal: your choices are plentiful and the time is right for you to buy!
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