California DRE No. 01807002 www.Tuka.NET handcar@gmail.com 831.708.Tuka (8852)

Road Map

1. Call or send an email to me. I'll help you get started and through every step. Always ask questions as I'm glad to teach, and share.

2. Get Pre-qualified

   This will give you a view where you stand financially. How much much you can borrow based on your income, minus your debt. It helps to know if you need to pay something off or clean up your credit report, etc. Some items to complete may be:

   • Pay off debt (could take a few years or just a few months).
   • Clear items from your credit report (challenge erroneous marks, fix things, pay down debts, etc)
   • Always check your credit report yourself every year (free, per US Govt: www.AnnualCreditReport.com)
   • Know what you'll need for a down payment.

   • Shop for loans and interview loan agents. Learn which company to work with, gives the best rates and terms.
   • I can refer three or more but feel free to search for other loans, ask questions, etc.

   • loan types, such as FHA, 20% down only, Vet loans, etc. Ask and learn!

3. Start to save for your down payment (after debt paid off).

   • How much can you borrow?
   • How much is needed per your loan for down payment?
   • Calculate your income minus living costs, how much can you save per month?
   • How long until you have your down payment? (months? years?)

4. Learn the market (follow and search the MLS like you read the news). Where you can afford, watch homes.
   • Search the area(s) that you desire
   • save some listing information that you find
   • watch how the markets are in that area over the time you have
   • how much was the home listed
   • how long until it sold
   • did it sell below, at or above asking?
   • what are homes selling per sq. ft.? (like size and kind)

5. Offers: Business 101 class.

   This sounds simple, but it is very key for buyers and sellers to understand how offers work, counter offers, recinding, etc. This is a discussion either in person or on the phone. This is very key to explain and share with my clients.

   • What qualifies as an offer?
   • What is a counter offer?
   • What is recinding mean?
   • Can I offer on two different homes?

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