House hunting can be both exciting and frustrating. You should plan on seeing at least 10 homes before buying one. To make your search easier and faster, browse properties on the Internet. You can do so on my real estate home page. Click on the "Search For Homes" link and you will have access to the same data as Realtors from Burbank to Thousand Oaks in Los Angeles County. For Ventura County Property information, click on the link "Here" on my homepage. This information is up-to-date and accurate. Other real estate websites do not provide up-to-date data and lag behind my site. The Internet is a quick way to see whether the houses that are currently available meet the following critical criteria: are they in the right location, with the right features, and at the right price.
If you find after your search on my website that few properties meet your needs, you may want to readjust your criteria – change the location, features, price – to increase your chances of finding a house that works for you. If you have any difficulties in this initial search, feel free to contact me for assistance. Homes can become available instantly and I'm always the most current resource for up-to-the-minute information on new home listings. Once you know what you want, where you want it, and what you can afford, it’s time to start looking for a real estate agent or Realtor so that you can see different houses for yourself. Before you and an agent/Realtor go to the homes, it's a good idea to put together a checklist of things that you’ve decided ahead of time are important qualities of your future home.
There are a variety of mortgage types available today, each with advantages and disadvantages depending on how long you plan to live in the home, the financial marketplace, and your income potential, among other things. A fixed-rate mortgage is the most common. In a fixed-rate mortgage, your interest rate and payment stay the same for the life of the loan. Most people who decide on a fixed-rate mortgage usually choose one that has a term of either 15 or 30 years.
An adjustable-rate mortgage usually starts out at lower interest rates and lower monthly payments than fixed-rate mortgages, but your rate and monthly payments may rise and fall based on a financial index. There are also several government mortgage programs available, including FHA mortgages, which are designed to help people who might not otherwise qualify for a loan. It’s best to talk to me about your best mortgage option. I may refer you to a mortgage broker who can discuss current market financing packages.