Hmmm…single-family or maybe a condominium, oh but is that in the right school district? Is that within the city limits? What’s the crime statistics for this area of town? These are just a few questions you should ask yourself before you start looking. If you’ve done your research and you know that an area of town is out of the school district you want then you’ll know not to waste your time looking in that area.

You want to buy a home and after using our loan quote form, you’ll know how much of a home you can afford. Then you will get out there and find a new home! But, before starting, you will need to make a few decisions and apply on-line for a free loan quote!

What type of home do you want?
Options include single-family homes, condominiums, co-ops and townhouses, depending on your price range and your need for space and property.

What are your needs in a house?
How many bedrooms? Garage? Basement? What kind of schools are in the area? You should consider all of these things before looking for a house.

Do you prefer a newly built home or a resale home?
You may want the warranties and efficient construction of a newly built home, as well as your ability to customize it for the first time. On the other hand, you may find a good deal on a resale home, which may need a little elbow grease. The choice is up to you. Read more in our guide Age Doesn’t Matter: Considerations for Buying New Homes and Resale Homes.

Will you use a real estate agent?
Many homebuyers choose to work with a real estate agent or broker to help them find a home. The agent should have a good knowledge of the real estate market, price trends and neighborhood conditions. The agent will help you shop for your home, tour properties and be your negotiator if bargaining over price is necessary.

Continue reading for more information on “Qualifying” that you will need to know about in order to be better prepared for a California Mortgage Loan!

Use our quote form, a mortgage feature on California Mortgage & Home Equity Loans, Co. to locate a lender in your area offering the mortgage product that best suits your needs. The independent lender you select will work with you to help find a low-cost mortgage that meets your needs. Apply today!