Buying A Home

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Buying A Home Understanding Home Buyer Contingencies in California: An East Bay Buyer’s Complete Guide A clear, friendly guide to home buyer contingencies in California: what they protect, when to use them, and how to win in the East Bay market.
Buying A Home What a Rate Move Actually Costs an East Bay Buyer Sixty-nine basis points does not sound like anything. On an $800,000 loan it is $4,376 a year. What the current rate actually costs an East Bay buyer, and why a thinner field of buyers is easier to negotiate in.
Buying A Home Offer Strategy Tips: How to Win Without Overbidding The short answer Write the offer the seller actually wants. Shorter contingency periods, a close date on their schedule, a fully underwritten loan approval and a clean offer package can beat a higher number, because sellers weigh certainty and timing alongside price. Set your ceiling from recent sales, not from the bidding. Can you win […]
Buying A Home Buying a Home in the Fall: 5 Smart Advantages for Bay Area Buyers The short answer Fall usually brings fewer buyers, which means less bidding pressure and more room to negotiate on price, repairs and credits. Sellers listing this late in the year are often motivated, and a fall close can have you moved before the holidays. Ask your CPA how closing before December 31 affects your taxes. […]
Buying A Home How to Save for a Down Payment: A Complete Guide for Aspiring Homeowners The short answer Less than most people think. Conventional loans can start at 3% down for qualified buyers, FHA at 3.5%, and VA and USDA loans can require nothing down if you are eligible, though 20% avoids mortgage insurance. Set your target from the loan you qualify for, keep it in its own high-yield account […]
Buying A Home First-Time Homebuyer Mistakes to Avoid The short answer The expensive ones are shopping before you know your real budget, taking the first mortgage rate you are offered, skipping the inspection and forgetting closing costs, which can run 2% to 5% of the price. Get pre-approved, compare several lenders, keep your inspection and check your credit before you apply. Buying your […]
Buying A Home Why First-Time Buyers Need a Buyer’s Agent: Your Trusted Guide to Homeownership The short answer A buyer’s agent represents you, not the seller. That means pricing guidance so you do not overpay, negotiation on price and terms, and one person keeping your inspections, deadlines and paperwork on track from offer to closing. For a first purchase, that guidance is where most of the costly mistakes get caught. […]
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Chris Lee Luna
Chris Lee Luna, Realtor®
DRE #02226845 · CREN

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