CITIES SERVED:

Camp Pendleton South - 92058

Absolutely, Positively, Caring Attitude, Quality Service, Guaranteed!

Real Estate Agent

Alicia R. Chase

(619)727-1244
Ca DRE License #00758097
alicia@teamchase.com

What Buyers Need To Know

First Time Home Buyer’s
Congratulations on starting the process of home ownership! We know that buying your first home can be both exciting and at times scary, which is why we’ve put together some tips on how to get started and what to look out for along the way…

Finding a buyer’s agent that can truly guide you through each step in buying a home can make your life a lot less stressful!

How Much Can I Really Afford?:
You’ve probably already heard that before you start your search for your first home you should establish how much you can afford to spend. But many home owners don’t know where to start to figure this out: Here are some tips.

Figure out your DTI:
Many lenders use your Debt to Income ratio (DTI) in figuring out how much they are willing to let you borrow. Contact a mortgage professional to get pre-approved and find out what a lender is willing to lend you.

The Lender is Going to Tell You the Maximums:
Just because you qualify for a certain amount doesn’t mean you can actually afford that amount. You need to examine your expenses and lifestyle to see whether you can and are willing to pay the maximum month after month. Think about what other major expenses you are responsible for, i.e. auto repair bills, educational costs, high medical expenses etc., and factor these in to what you want to borrow.

The Loan Amount Isn’t the Only Monthly Payment:
While it is extremely important to figure out what your monthly principle and interest payment is to the lender, you also need to factor in monthly amounts for property taxes, home owners insurance, home owners association dues and regime dues (if any). Also find out what average utility costs are in the area you are

Let Me Help You Get Started Today
(619)727-1244

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Let Me Help You Get Started Today
(619)727-1244