Buying A Home

Do you know how much home you can afford? Take the first step by getting pre-approved here for FREE!

Great! What type of property are you purchasing?

Estimate your credit score

Is this your first property purchase?

What is your current property purchase situation?

How will this property be used?

What is the purchase price of the new property?

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What is your estimated down payment?

What kind of rate do you prefer?

What is your gross annual household income?

What is your employment status?

Bankruptcy, short sale, or foreclosure in the last 3 years?

Can you show proof of income?

Are you working with a real estate agent?

Working with a Loan Officer?

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Buying a home is one of the biggest financial decisions you'll ever make. As a trusted mortgage broker, I am here to guide you through every step of the home buying process and help you achieve your dream of homeownership.

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I understand that every client has unique needs and financial goals. That's why I offer a variety of mortgage options tailored to your specific situation. From first-time homebuyers to seasoned investors, I have the expertise to find the right mortgage solution for you.

Home Buyer Checklist

1) Budget: Determine your budget and stick to it. This will help you avoid overspending and keep your search focused on homes you can afford.

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2) Mortgage Pre-Approval: Get pre-approved for a mortgage before you start shopping. This will give you an idea of how much you can afford to spend on a home and make your offer more attractive to sellers.

3) Location: Determine the location you want to buy in. Consider factors such as proximity to work, schools, public transportation, and amenities.

4) Type of Home: Decide on the type of home you want, such as a single-family home, condo, townhome, or multi-family home.

5) Size and Layout: Determine the size and layout of the home that will meet your needs. Consider factors such as the number of bedrooms, bathrooms, and living spaces.

6) Condition of Home: Consider the condition of the home you are interested in. Do you want a fixer-upper, or do you prefer a move-in-ready home?

7) Home Inspection: Have a professional home inspection done before you buy. This will help you identify any issues with the property that may affect your decision to buy.

8) Homeowners Association: Determine if the property is part of a homeowners association and review the HOA rules and fees.

5) Size and Layout: Determine the size and layout of the home that will meet your needs. Consider factors such as the number of bedrooms, bathrooms, and living spaces.

6) Condition of Home: Consider the condition of the home you are interested in. Do you want a fixer-upper, or do you prefer a move-in-ready home?

7) Home Inspection: Have a professional home inspection done before you buy. This will help you identify any issues with the property that may affect your decision to buy.

8) Homeowners Association: Determine if the property is part of a homeowners association and review the HOA rules and fees.

9) Property Taxes: Review the property taxes for the home you are interested in and factor them into your budget.

10) Closing Costs: Factor in closing costs, which can include attorney fees, appraisal fees, and title insurance.

11) Homeowners Insurance: Determine the cost of homeowners insurance for the property you are interested in.

12) Moving Expenses: Consider the cost of moving and factor it into your budget.

Alex Wellman Home Loans | NMLS #2064260 DRE #02221369 | 701 Palomar Airport Road Ste 300, Carlsbad, CA 92011

Alex Wellman Home Loans
NMLS #2064260 DRE #02221369
701 Palomar Airport Road Ste 300, Carlsbad, CA 92011

For informational purposes only. This is not a commitment to lend or extend credit. All loans are subject to credit approval.

Alex Wellman is a licensed mortgage loan officer in California under BrighterLending powered by Nationwide Loans, Inc NMLS #1799965.