Buyer Resources

Santa Barbara Home Buyers FAQ's

Answering Your Santa Barbara Home Buying Questions

Buying a Santa Barbara home is both thrilling and a bit unnerving, especially if you're a first-time home buyer. Both experienced home buyers and first-time buyers alike will benefit from the frequently asked questions below. Before you begin your Santa Barbara home search, it is recommended that you prepare yourself for the journey by educating yourself. This will ensure you are a knowledgeable home buyer prepared to make a confident home buying decision.

Q - I've never purchased a home before.  Where should I begin?

A - Actually, you've already started the process. Fact-finding and reading articles is a great way to become a smart consumer. The highest priorities to focus on before you begin searching for specific areas, neighborhoods, or homes would be to:

  • Familiarize yourself with your personal finances.
  • Learn about the Santa Barbara real estate market.
  • Carefully review your budget and begin to eliminate as much debt as possible.
  • Have a down payment and earnest money ready when the time comes to act and make your offer.

Your next step is to contact us. As your home buying specialists, we'll protect your interest and manage the details of the real estate transaction on your behalf to your complete satisfaction. For more experienced buyers, a little brush up on the real estate process wouldn't be a bad idea. Of course, you'll need a really sharp Santa Barbara real estate team to protect your interests too!

Q - With all the bad news about mortgage products and home foreclosures, how do I avoid making a big mistake when deciding which type of loan to select?

A - Once we meet and review your finances along with your home buying needs, you should select a lending consultant. We can recommend several trusted lending professionals or you can choose your own. Having upmost confidence in your lender is important. Be sure you feel completely at ease with them.  They should speak to you in easy to understand terms. Ask lots of questions and never sign any document until you know what you are signing and feel completely at ease signing it. More and more lending professionals are recommending fixed interest rate loans and interest rates are still very attractive. Of course, the type of loan best for you depends on several factors. Here are just a few:

  • How much money do you have for a down payment?
  • How long do you plan to live in the home?
  • Do you qualify for a FHA or VA loan?

Because more homes are on the market here in Santa Barbara, your choices are plentiful and the time is right for you to buy!

Let's Get Started!

Are you ready to schedule your home buying consultation?  If so, contact us today and together we will review your needs and your budget to help you find the right Santa Barbara home for you!

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Content published by Stephanie Young

Santa Barbara, CA Real Estate for Sale

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