Ventura Real Estate – The Buying Process

The Buying Process

How exciting that you’ve decided to purchase a home in Ventura County. Here is some basic information about the buying process.

Let’s get to the Heart of the Matter. Because buying a Ventura County home, whether a family residence, a second or vacation home, or a retirement haven is thrilling, it also takes common sense. It’s easy at times to feel overwhelmed by the process so selecting a professional with knowledge about the area, its schools, employment centers, and activities can make all the difference.

When Ventura Premier Realty speaks about the Heart of the Matter, it’s because we know that now is the time the real thinking hat goes on - you want to see everything – but of course, you don’t want to waste time looking at real estate that is outside of your desire and needs. We know that you pick a home with your heart, and there is the perfect home out there that meets your budget. There is a happy balance between the two and at Ventura Premier Realty we can confidently tell you that with so many styles, varieties, and price ranges for selection we can help you find the perfect match.

Do I Need a Mortgage – How Do I Qualify?

This is a financial planning decision – even retirees are learning that using mortgage financing while their assets are working for them can make sense in today’s world. Paying all cash for a home can break anyone’s pocketbook – and it’s not always necessary – much less financially wise. For first time home buyers, or for a seasoned buyer, usually financing is the manner in which you will close on your home. We can also assist you with financing should you so desire. While it is not a requirement that you use our company’s services recommendations, we think you’ll find our approach to the mortgage lending business refreshing. A company will help you prepare the documentation you need for mortgage approval BEFORE you buy so that you’re confident you can afford the Ventura County home you ultimately select.

Searching for Your New Ventura County Home

At Ventura Premier Realty, we have access to every major Ventura County multiple listing service and to statewide MLS alliances allowing us to search our databases for exactly what you are trying to find. No more running from home to home, or neighborhood to neighborhood, this is where the real expertise comes in. You want to know ahead of time what a community or neighborhood offers and not waste your time on properties you know you would never consider, much less buy. Let us help you get the information you need before you start looking. What looks good on the “net”, may in fact be in a neighborhood where you can’t have your boat or your husband’s oversized truck. Mel-Roo’s neighborhoods can be that particular. Ventura Premier Realty will answer all your questions about living in Ventura County – and probably many you have not yet thought of – because this area is unique and different from where you lived before.

Making the Offer

Once you’ve found the Ventura County home you truly would like to buy we’ll make sure you get the best possible price for that home by providing you with the current market data that supports its true value. Once you’ve taken into account the recent sales of a like home in that neighborhood – it’s not too hard to determine a fair offering price. At Ventura Premier Realty we help buyers negotiate contracts every day and those contracts are comprehensive and will protect your interests. Therefore, we can help you avoid costly mistakes. Ask our clients. On the purchase of a home – nothing should be left to “chance” and experience counts in contract negotiations. Keep in mind that nearly everything is negotiable in a real estate contract and we’ll make sure we point those “negotiating” points out to you in advance. There are hundreds of details that go into each real estate transaction, so we’ll explain all those details to you and help you find the right answers specific to your needs.

After Your Offer is Accepted

Once your contract is accepted the clock starts ticking. And, what needs to happen is making sure you comply with the effective dates and timelines contained within your contract. That means we’ll help you with the Vendor Selection for home and termite inspections, the best way to handle repairs the property may need, set up your escrow instructions with the title or attorney’s firm, work with movers, follow through on obtaining necessary documentation for your loan process, introduce you to insurance agents, and guide you through the closing process of your new home.

The Closing Table

Just prior to closing, Ventura Premier Realty will be in touch with the title and escrow agent or attorney to ensure all pertinent documents and invoices are delivered to the closing table. We’ll review and revise the closing statement to make sure it’s accurate and complete before we go to closing. Once at the closing – we’ll walk you through the myriad of documents – and why they are needed – to consummate your Ventura County home purchase.

After Closing

Once you have the keys to your new home you may think – hooray – it’s done! At Ventura Premier Realty, experience tells us you may very well have some more questions or require some additional information. We’re here to help and it doesn’t stop the day you open the front door to your new home – you’ll still be learning about living in Ventura County and we are available at any time to assist you in making this transition smoothly and with as few headaches as possible. Our service does not stop at closing because we strive to make life long clients.

More Ventura County Home Buyer Information

Ask about the Buyers Rebate for Ventura County Real Estate.

For information on other Ventura County real estate related topics, please feel free to contact us . We’ll be glad to help.