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One of the first things to do when setting out to purchase a house is to choose a Realtor to represent
you in the process. A Realtor is obligated to look out for your best interests and will work closely with you to
help ensure you get the right house at the right price. Your Realtor should be a member of the Victor Valley
Association of Realtors so that he has access to the local MLS. That way all listings will be available to you.
Your Realtor should also have the key needed to open Victor Valley lockboxes otherwise you are going to have
difficulty getting inside to view the homes. Finally he should be a local Victor Valley realtor so that he is very
familiar with the area. If you already have a Realtor try asking these questions to make sure you made a wise
pick.
Download NAR Report: 10 Steps to Prepare for Home Ownership
You might find the prospect of buying a home rather intimidating, especially if you are a first time buyer.
I can put your mind at rest, contact me and I will sit down with you and explain everything and answer all
of your questions. As your Realtor I will guide you through every step of the homebuying process.
Download Stewart Title Report: What Price Range is Right for You
The second thing to do is to talk to a lender and get yourself prequalified. This way you will know
what price range to look for. You can go with a mortgage broker who is acting as a middleman between you and
the lender or you can go with a direct lender who will fund the loan themselves. You will need a prequal
letter to submit along with an offer when you find the right home. Once again it is recommended to go with
a local lender, you can begin the prequal process right here on this web site.
Generally property taxes and mortgage interest are deductible so if you are renting now and
considering buying a house you should take into account that your monthly costs may be lower than you
think because you may be getting some of it back by way of lower income taxes.
There are many different types of loan, Your Realtor and your lender will help you
decide which is the best for you. Take care not to make any changes in your financial circumstances until
after the close of escrow. One of the last things your lender will do before funding the loan is to make
one final check of your credit. If there has been a significant change your loan could be delayed or even denied.
Avoid any of the following:
- Do not buy a new car or other major purchase.
- Do not change jobs - especially for a lower pay rate or a different field.
- Do not pay down bills - except under your loan officers advice.
- Do not transfer money.
- Do not switch banks.
When it comes to looking for a new home, if you like to do the searching yourself you can
search the Victorville MLS. A more efficient way to go is to
have listings emailed to you that fit your criteria, just enter your
requirements into the form and you will receive an email with all matching listings. New listings will be
emailed to you when they come on the market.
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