If you have decided to buy a home in Ventura County, congratulations. Ventura County is a wonderful county to live in. Whether the desired destination is Simi Valley or a Ventura Condo, the first step one must take, right after one searches the Internet for home, because we all know that is going to be the first step!
I guess then, I am really talking about the second step a Ventura County home buyer should take is to meet with a lender unless one is paying with cash, then of course, this step can be eliminated. I have seen too often buyers look and fall in love with homes that they simply cannot afford when they venture out to look for homes without knowing their numbers. These numbers will include the mortgage payment for the dollar amount the lender qualifies the buyers for, the property taxes, insurance cost, HOA fees if it is a condo and closing costs if applicable.
Buying a home is unlike buying a car, where financing can be discussed after a car of choice is identified. With a Ventura County home purchase, this financing needs to be in place before buyers go out looking for their dream home. This way buyers will not fall in love with a Ventura County home that they will not qualify for or sometimes the buyers may have more buying power than they thought and that opens them up to more homes.
To be competitive in presenting an offer from a buyer to the seller, I need to have a pre-approval letter from the buyer’s lender, this assures the seller that the lender has looked at required documentation from the buyer and a loan can be made in the amount of the terms of the offer. Proof of funds, should also accompany the offer illustrating to the seller that the buyer does have the funds to meet the terms of the offer.
I have many wonderful lenders I can refer or choose your own, then call or contact me and together we will find your new Ventura County Home.
