The Real Estate market forecast to be great for potential home buyers that were frustrated with massive competition in the few years past.

People always ask me… “How do I buy a house in the Bay Area?”

If you are looking to buy in the Diablo Valley East Bay Area? We focus and specialize in financing and closing transactions in Walnut Creek, Concord, Lafayette, Pleasant Hill and Martinez CA.

Gloom in the news would have you thinking that breaking into the bay area housing market is all but impossible…

I’m here to tell you that is NOT the case.

Let me show you why in this 20 minute first time home buyer focused crash course where I explain the basics most common questions most first time home buyers are afraid to ask.

Don’t Apply for a Mortgage Until you Watch This Short Video Crash Course…

GET PRE APPROVED HERE IN 5 MINUTES

In the short video above, I will take a few minutes and answer the 6 most common questions that first time home buyers are itching to learn the answers to.

By the time you finish you will feel educated, confident and ready to take action on your home buying process.

If you’re looking at bay area homes or thinking of buying you should watch this quick crash course first. In this video we address the six most common questions that first time home buyer consumers ask us on a regular daily basis.

After you watch this please let us know if you have any specific questions anytime.

Zero Down Payment Loan Program

Take a quick look over my shoulder as I bring you through a real life recent scenario I helped someone with in Concord CA. They wanted to look closely at what their down payment options were and had limited funds for closing.

In this 10 minute tutorial, I will show you the basics between two very popular low down payment programs for first time home buyers, vs a zero down payment home loan that most lenders will not even tell you about.

After you watch get in touch and let me run some specifics for you.

Newest Contra Costa Home Qualified for Zero Down Payment

Catering to First Time Buyers

When it comes to catering to first time home buyers in the East Bay area our team takes pride in delivering the absolute best in service, pricing and accountability when it comes to the entire mortgage and home purchase process.

We love helping people who want to get there slice of the Bay Area real estate pie. Including millennial’s, brand new parents were looking for a larger home, and anybody who’s looking to break into the Diablo Valley market.

Recognized as the “The Top Bay Area Lender” by Google in their organic search results (out of over 21 million).

HERE ARE WHAT PAST CLIENTS ARE SAYING ON YELP OVER 50 5 STAR REVIEWS FROM HAPPY CLIENTS

AFTER YOU WATCH SEND ME ANY QUESTION

Ask me anything… quick question or a detailed loan scenario?

When you email me below I normally will respond within the same day.

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Just call or contact me and I will quickly send you these three bonuses:

Set up your Real Estate Search Here

Get my guide on how to get approved in the next 24 hours.
Get my 100 Types of Turbulence to avoid when buying a home
Get my FREE custom Renting Vs Owning Calculator to see if a purchase makes sense (I’LL GIVE YOU A REALLY COOL SPREADSHEET TO PLAY WITH)

WHY ARE YOU HERE?

You have questions about Real Estate and or Mortgage Lending?

You don’t know where to start?

You don’t want to talk to a pushy sales person!

You want to know if buying or refinancing is right for you.

A Bit About Me…

I live and work in Pleasant Hill CA with my family.

I love helping others achieve their goals with Real Estate.

Involved in Real Estate & Lending since 2003.

I’ve closed over 3oo transactions in the last 5 years

Consistent top producer with a top nationwide company

Casual and easy to work with

I don’t quit!

TYPES OF LOANS WE OFFER

6 Most Common Home Bay Area Home Buyer Questions

I answer all of these in detail in the 20 minute crash course video in this posting. Be sure to watch the whole thing to get my 3 special bonuses.

1. What is the process?
2. How much do you charge and what can I expect?
3. How do I know how much house I can afford?
4. How much cash will I need to purchase a home?
5. Broker or Banker or Direct Lender what is the difference?
6. I need a loan FAST!! How quick can I close?

MOST COMMON DIABLO VALLEY HOME BUYER QUESTIONS

QUESTION 1: What is the Home Buying Process?

Get a Pre-approval
Hire a Realtor
Find a Home Make an Offer
Open escrow process your home loan
Loan funds
Title Records

There is a bit more to the escrow process than spelled out here. This is a very basic outline of the home buying process from start to finish.

QUESTION 2: I’m Afraid to call a Mortgage Broker or Realtor

How much do they charge and what can I expect for closing costs?

My service is No cost to you. Flat Fees are paid directly from the bank.
Most pre-approvals can be done within 10 to 15 minutes on the phone.
What are My Closing Costs When I Buy?
1.5% to 2% of the purchase price rule of thumb. 300k purchase = $4,500 to 6,000 in closing fees. (can usually be financed or paid by the lender
Most Common Lending Question

QUESTION 3: How do I know how much house I can afford?

What is your debt to income ratio? Monthly outgoing debts / Monthly GROSS income
Most Common Lending Questions

QUESTION 4: How much cash will I need to purchase a home?

As Little as 1% down payments.

Gift funds are OKAY in most cases

Down payment assistance and grants available for some borrowers.

QUESTION 5: Broker or Banker what is the difference?

Banker is stuck in a box with limited programs

High overhead and costs get passed to borrowers

Limited ongoing education and federal requirements

Mortgage Broker and Direct Lender the Benefits

Direct access to over 50 lenders that compete for my business

Wholesale pricing and low over head passed on to the borrower

Constant education required and Federal compliance yearly

Top 50 in production nationwide in Scottman Guide

Top rating with the BBB

Top producing consultant since 2003

QUESTION 6: I need a loan FAST!! How quick can I close?

Consistent closings within 14 to 21 days of submission.

Direct access and communication with bank execs and decision makers.

FAST CLOSING EXAMPLE

NOW THAT MY QUESTIONS ARE ANSWERED… What should I do now?

Get my FREE guide on how to get approved in the next 24 hours.
Get my 100 Types of Turbulence to avoid when buying a home
Get my FREE Renting Vs Owning Calculator to see if a purchase makes sense

Follow me or ask me a question on social media

Contact Me Personally with your questions

Client Appreciation Program

If you close your purchase with us and make 6 payments on time on your new loan we will
refinance your loan and lower your rate for no cost! *market and credit conditions must allow*

DOWNLOAD THE PRESENTATION SLIDES HERE

Always remember if you need advice or have questions regarding financing or buying a home in the Mount Diablo Valley CA East Bay Area your FIRST stop should be right here.

We specialize in home loans and property purchases in Pleasant Hill, Concord, Clayton, Walnut Creek, Martinez, Pittsburg, Lafayette, Orinda, Brentwood, Antioch, Oakley, Danville, San Ramon and all over Contra Costa County.

[Buyer Crash Course] How to Buy a Bay Area Home This Year