We strive to provide a comprehensive and quality buyer experience! ___________

Buyer’s Journey to Success.

Get pre-approved by a licensed mortgage broker.

 

The Mortgage Broker will analyze your income, debt, and credit to determine your DTI (Debt To Income Ratio) which will then determine how much of a loan you qualify for. When starting the process it‘s important not to open any new accounts, get a new car, or spend any large amounts of money. These 3 items can cause you to no longer qualify for your home. It’s best to save, save, save until you receive keys in hand.

What Loan Type Is Right For Me?

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VA Loan

Loans for military beneficiaries. 100% financing, $0 down.

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FHA

Requires 3.5% down

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Conventional

Requires 3% - 20% down.

 

A mortgage broker will be able to determine which loan is the best fit, based on your financial situation.

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Home Shopping

Once you have your approval letter the fun begins, It’s home shopping time!

A few things to keep in mind when shopping:

  • Number of bedrooms

  • Number of bathrooms

  • Wants

  • Needs

  • Must Haves - Something you absouletly cannot live without.

Negotiating Your Best Offer

 

When you find your perfect home and want to place an offer, sometimes all you get is make it your best shot. S.A.K.K. Realty has key strategies in place to negotiate the best offer in a tough market.

My offer was accepted, now what?

 

Escrow is Open.

You are required to place an EMD (Earnest Money Deposit) within in 3 days.

Inspections.

There are a number indpections but we hightly recommend a general home inspection is at your expense.

Appraisal

Determines the value of the home.

Loan

You will be required to submit documents to the mortgage broker to get fully approved.

Closing Day

Escrow will set the file up for recording with the County of San Diego; once we receive confirmation, we can exchange keys are you are officially a homeowner!

Buy With S.A.K.K.

S.A.K.K. Realty has created a one-stop-shop for all of your home buying needs from pre-approval to closing. With our lender partners, inspections, and more.

*Please note that you are not required to use any of your services. You can shop around for the best rates and deals.