Congratulations on taking the very first steps to becoming a homeowner. We specialize in helping first-time homebuyers in Santa Clarita. Both of us (Robert & Brian) purchased our first homes here in the Santa Clarita Valley as well.
To entrust someone with your first home purchase is a big deal. And we get that. There is no other team of Realtors in the Santa Clarita Valley that’s better positioned to help you, than us here at The Robert & Brian Team. The two of us have both been born and raised, right here in Santa Clarita. We know the area inside and out. We live here. We work here. We sell more homes than most Realtors here. And combined, we have over 60 years of Santa Clarita live/work experience.
A first-time Santa Clarita homebuyer must have a:
- Realtor who lives in the Santa Clarita Valley and works in real estate full time
- Realtor who is well networked with lenders that cater their services to first-time homebuyers in Santa Clarita
- Realtor who understands and has knowledge of all first-time homebuyer programs available
- Realtor who is readily accessible by phone, email, in person, or social media
- Realtor who is patient and understands first-time homebuyers should not be rushed into any decisions
- Realtor who offers their services 7 days a week, whether weeknights or weekends.
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What happens before escrow? :
- First you contact us, and we identify your needs/wants when it comes to owning a home
- We then put you in touch with our preferred lender, who specializes in helping first-time homebuyers here in Santa Clarita. Don’t worry, they won’t be located outside of Santa Clarita.
- Once the lender approves you for a home loan, we begin searching for listings that match your criteria
- We then hop in the car and search for your dream home. We don’t stop until we find it. Or until you get tired!
- Once we find your dream home, we sit down to analyze what type of offer to make.
- We then prepare the best offer possible with terms agreeable and favorable to you, and we submit it to the seller’s agent.
- If we come to terms, and the offer is accepted, we then proceed to open up an escrow, which enables you time to get your loan, perform inspections, and ensure you want to move forward with the purchase of the home.
What happens during escrow? :
- At the start of escrow, we (or you) deliver your initial deposit to escrow. This money is applied toward your down payment. The remainder of the down payment is paid toward the end of the escrow. A normal escrow will be on the average, 30 days. Perhaps 45 days. It’s negotiable.
- Within the first two weeks (approx) of escrow you will hire a home inspector, meet them at the property, and tag-a-long with them as they inspect. The inspector will issue you a report within 24-48 hours, regarding their findings.
- Within the first two weeks (approx) of escrow your lender will order an appraiser to go to the property, to evaluate it’s real home value.
- More than likely, you will pay out of pocket for both the home inspector, and the appraiser. Generally those are not items that are able to be paid out of your closing costs (at the end of escrow).
- Within the first 7-10 days of escrow approx, you will review disclosures made by the seller regarding the home and the community you’re buying a home in.
- After the appraisal is complete, your lender will (hopefully) issue you final loan approval which is signed off by the loan underwriter.
- The contract (purchase agreement) has time lines in it. It gave you X amount of time for the home inspection, X amount of time to get final loan approval, and X amount of time for the appraisal review.
- Before those time lines are up, you will decide whether or not you’re going to move forward based on your inspection and loan due diligence.
- If you wish to move forward, you will sign off on all contingencies (inspection/loan/appraisal). You can’t really back out of the deal now, without potentially losing your initial deposit.
- Before you sign off on those contingencies, you may want to negotiate for some repairs to be made, if any are necessary, based on your findings in the home inspection. If the seller agrees to repairs after making a request, then it’s safe to remove your inspection contingency after agreement is made.
- After all contingencies are removed, the last things to do, are sign your loan documents (agreement between you and the lender in order to get the loan) and perform a final walk through of the home.
- Sign loan documents
- Final walk through – this is to just make sure the home is substantially in the same condition, as when you made the offer.
- Bring in your closing funds (remainder due for down payment and any closing costs) to escrow. Usually in the form of a wire or certified funds only.
- Your loan will then fund
- The day after your loan funds, the escrow closes, and the home is yours.
- Congratulations!
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