First-Time Home Buyers

First-time home buyers

Your first home, explained one step at a time.

Buying a home for the first time feels like a lot. I will walk you through each step, explain every document, and make sure you never feel rushed or left guessing.

Plain EnglishNo jargon without an explanation
Trusted lendersIntroductions to lenders I trust
Coldwell Banker RealtyA trusted national name behind your purchase
What to expect

The costs and pieces, laid out simply.

A first purchase has more moving parts than people expect. We cover each one early.

Down payment and loan

A lender will review your finances and show your options. I will introduce you to lenders I trust.

Closing costs and reserves

Beyond the down payment there are fees and cash reserves to plan for. I help you see the whole picture first.

Inspections and disclosures

You get to learn about the home before you commit. I explain what each report means in everyday terms.

Your path

Five steps from “maybe” to keys.

1

Get ready

Meet with a lender, review your budget, and decide what matters most in a home.

2

Search together

You get a search built around your list and honest feedback on every home we see.

3

Make an offer

I explain the terms, shape a strong offer, and negotiate on your behalf.

4

Inspections and review

We review disclosures and inspections, then decide how to move forward.

5

Close and celebrate

I guide the final steps and hand you the keys.

Common questions

Answers before you ask.

How much do I need to get started?

It depends on the loan and the home. A short conversation with a lender gives you real numbers, and I can set that up for you.

Do I need to be pre-approved first?

Yes, it is a good first step. It shows sellers you are serious and shows you a comfortable range.

How long does buying take?

Searching can take weeks or months. After an accepted offer, closing often takes about a month, depending on the loan.

Will you pressure me?

No. My job is to help you decide, not to rush you.

Next step

Start with a conversation.

No pressure and no obligation. We talk through your goals and your next step.

Chris Lee Luna

Chris Lee Luna, Realtor®Coldwell Banker Realty | DRE #02226845
(925) 917-3970 | chris@chrisleeluna.com

By sending this, you agree I may contact you about your request. If you would rather I stop reaching out, just let me know. Thanks, Chris

Thank you. I received your note and will follow up personally, usually the same day.