Buyers

Everything you need to know about the process of buying a new home.

Why Work With Jessie Lee

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Jessie Lee | Founder
@JessieLeeSFhome

(415) 518-6402

ask@JessieLeeSF.com
 

Jessie Lee & Team Accomplishments

Sources: SFARMLS

21

Combined Years in Business

1%

Top 1.5% of Teams Nationwide

#1

TOP Listings Team on District 9 | 5 | 10

1,500+

Clients Served to Date

126

5-Star Zillow Reviews

#6

Team - Compass SF - Peninsula - Companywide

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Buying With Jessie Lee Real Estate

There is nothing as joyful as the experience of buying a home whether it is for the first time, second or third, but we also know that it can be a complex and stressful process. The Jessie Lee Real Estate team works to make the buying experience as easy and relaxed as possible; from getting pre-approved to getting the keys into your hand. Below are a few tips that will be very helpful in your buying experience.

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1. Your Credit Score

It is very important to review your credit score a few months before your home shopping. A high credit score lowers the interest rate on your mortgage. Annualcreditreport.com gives you a free credit report annually.

2. How Much Can You Afford

Determine how much you can afford or are willing to pay monthly towards your mortgage payments. This is a lifestyle decision. Select a home which you can afford to pay for while retaining the enjoyment of your daily life.

3. The Downpayment

The amount of your monthly mortgage payments is highly dependent on your down payment amount. The down payment is usually 20% of the final home price. Generally, it is better if you can make a bigger down payment.

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4. Find a Real Estate Agent

The real estate agent will be your main guide through the whole process, a savvy real estate agent familiar with the area you are buying from will make the process a breeze. Use online resources to check their experience, history, ratings etc.

5. Getting Pre-approved

During pre-approval a lender will check your credit and income history to determine the loan amount you qualify for, get pre-approved as early as possible, this will give you time to improve your credit score if necessary. Also get estimates from several lenders.

6. Make an Offer

You have found your dream home, you have been pre-approved for a loan, now it’s time to indicate your intent to buy, the real estate agent will help create an attractive offer. The offer covers the price, any contingencies, inspection..etc.

And There's More

Inspection

During the inspection, the inspector helps establish the condition of the house, getting a certified inspector is very important to ensure that the house is free of any unnoticed defects. Be there during the inspection and ask any pertinent questions about the house. After receiving the inspection report, discuss it with your real estate agent. If needed, you can ask the current homeowner to repair some things or try to negotiate a lower price.

Closing

On the closing day, you get to read and sign the final papers. This is the day when property’s ownership is transferred to you (the buyer). On this day, the lender provides payment towards the purchase price and the seller signs the deed over to the buyer which transfers the ownership to the buyer.
Several other documents are signed which the real estate agent will help foresee and finally, the seller will turn over the keys.

 
 
Other

If you already have homeowners’ insurance make sure to notify your insurance agency of your new house well ahead of the closing day.


Also, call your utility companies and notify them of the location of your new house and your intended move-in date so that they can transfer your service.

Get an Accurate Estimate

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Work With Us

Jessie Lee Team has over 20 years of combined experience in the bay area helping clients for selling, buying, renting. We know about the SF market trends so we can provide accurate information to the buyers/sellers/landlords. Quick to respond, accurate information, getting into the contract within 1-3 months and selling it what the seller wants to achieve at. If you are buying or selling, please contact Ask@JessieLeeSF.com to set up a zoom meeting or call/text at (415) 518-6402.

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