Are you thinking of buying a home? Well, what are you waiting for? Let's
work together to start planning your future. I would like to help you
do what I do best -- find the perfect home for you. Here are a couple of
questions you might think about before we meet.
Are you ready to buy a home? Some factors to consider when preparing
to buy a home are whether or not you have a steady source of income and
if you have been employed on a regular basis for the last few years.
Also, determine how much money you have saved for a down payment and
what would be a realistic amount of money that you could spend on a
mortgage each month. I can help you do this. Let's schedule a meeting. Call or text me at (650) 948-1100 or drop me an email at david@davidbergman.com
We should investigate the maximum loan amount that you would be able
to afford in order to establish the price range of houses to consider.
Lenders calculate your debt-to-income ratio, which is a comparison of
your expenses to your gross (pre-tax) income. Monthly mortgage payments
should total no more than 29% of your gross income, while the mortgage
payment, combined with other long-term debts (such as car payments)
should not exceed 41% of your gross income. The lender will also take
into consideration your credit history and cash available for a down
payment when determining your maximum loan amount.
Once we have agreed on the price range of homes to look at, next we
should discuss your needs. Think about where you would like to live and
how much space you would like to have. I suggest driving through
neighborhoods you are considering and attend local open houses to get an
idea of what you want. When deciding on possible locations, think about
distance to your job, schools, family, etc. It is best to make a list of
your priorities, such as location, size, and amenities. Determine the
minimum requirements that the house must have for you to consider it, as
well as a wish list of perks you would like it to have.
Whether you use it as your primary residence or as an investment - I have helped many people accomplish their goals and dreams. I am dedicated to meeting your needs and the more information you can share with me, the better I can serve you. Please call or text me at 650-948-1100 or David@DavidBergman.com to schedule an appointment so we can discuss more about your dream home.
There are helpful sections on this website to give you more information - including: