Antelope Valley Realtor
your home
your home
with our team
of experts.
What do you need help with? Learn a little more about what it takes to buy or sell your home.
3 simple steps to buying
your dream home
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01
Get pre-approved
Speak to our lender to find out how much money you may qualify to borrow.
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02
Shop for a home
A real estate agent helps you find a home that fits your preferences and qualifications based on approval.
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03
Make an offer
Your real estate agent will write a reasonable offer on the home of your choice.
Get pre-approved
3
Simple Steps
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FAQ
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What is a mortgage pre-approval, and why is it important?
A mortgage pre-approval is a letter from a lender indicating the loan amount you qualify for based on your financial situation. It shows sellers you are a serious buyer and can help you move faster when making an offer. -
Do I need a 20% down payment to buy a home, especially as a first-time buyer?
No, you do not need a 20% down payment to buy a home. While putting down 20% can help you avoid private mortgage insurance (PMI) and reduce your monthly payments, many loan programs are available that require much less. For example, FHA loans require as little as 3.5% down, and some conventional loans require as little as 3% down for first-time buyers. Additionally, VA loans for veterans and USDA loans for rural homebuyers may offer zero down payment options. It's important to explore all your financing options and choose the one that best fits your financial situation.
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What is private mortgage insurance (PMI)?
PMI is insurance that protects the lender if you default on your loan. It is typically required if your down payment is less than 20% of the home's purchase price. PMI can be canceled once you have sufficient equity in the home. -
What should I do if my home inspection reveals problems?
If significant issues are found, you can negotiate with the seller to make repairs, lower the purchase price, or provide a credit at closing. If the problems are severe, you may also choose to walk away from the deal.
Ready to get
started?
Answer a few quick questions to see how we can help you.
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