Buyers
The plan comes before the house.
Most buyers start by looking and work backwards to the financing. Doing it the other way round means every house you walk into is one you already know you can fund.
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Your first home
The hard part is rarely the loan. It is knowing what you can really carry, what the deposit has to be, and what an offer needs to look like to be taken seriously. We work that out before you start looking, so you are not learning it under deadline.
- What the payment actually comes to once taxes and insurance are in it
- Which low down payment routes you qualify for, and what each one costs over time
- What a seller's agent looks for in a pre-approval, and how to be the offer they trust
Moving up
Your next home
Two transactions in one, and the order matters. Buying before you sell, selling before you buy, and bridging between them are three different financial plans, and the right one depends on your equity, your timeline and how much uncertainty you can carry.
- Whether your current home is better sold, kept as a rental, or borrowed against
- What happens to the rate you are giving up, stated plainly
- How to make an offer that is not contingent on a sale that has not happened yet
Relocating
Moving to a new market
A move usually means a new job, a new commute and a market you do not know yet. The financing part should be the settled thing. We get the approval done early so that when you find the house, the only open question is whether you like it.
- Getting fully underwritten before you travel, not just pre-qualified
- How new employment, a signed offer letter or relocation assistance is treated
- Timing a purchase against a lease ending or a home still on the market
Purchase financing here is for property in California. Isaiah Wilburn is a licensed loan officer, NMLS 1887173, and the loan is arranged through Gold Standard Mortgage, a California licensed real estate broker.
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