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

Road Map

1. Call or send an email to me.

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 things to do 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
   • I can refer three, but feel free to search others

3. Start to save for your down payment

4. Learn the market (look at MLS like you read the news)
   • 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

5. I will review how Offers work. It is very important to understand how this works under the laws of California.
   I always review this with every client.
   • What qualifies as an Offer
   • Counter Offers and their meaning
   • Who is in control

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