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Buyer’s Info
 

A home is probably the biggest financial investment you’ll make in your life. Before you get started, do some homework. This handy Buyer’s Guide will show you some things to keep in mind as you’re hunting for that home of your dreams.

Woodland Hills Homes for Sale, Woodland Hills

1. Determine How Much You Can Afford

How much house you can afford is largely dependent on how large a mortgage – basically, a home loan -- you can handle. Start your research by using the simple mortgage calculators I have on my website to see whether you can afford to pay the monthly mortgage on the kinds of houses you have in mind.

You may even apply for a mortgage at a lender before you start looking for a home. This is called getting pre-qualified for a loan; it will tell you exactly how much you can afford and may make the closing process go faster.

But, remember that owning a home involves more than a monthly mortgage. You’ll also have to consider money you’ll need to have at hand when you make an offer, when you close on a home and on a monthly basis after the home is yours.

Payments you may have to make when you submit an offer and at closing include:
 

  • Earnest money, usually 1% to 5% of the cost of the house, which you pay as a deposit on the house when you submit your offer. It’s your proof that you’re a serious buyer
    down payment, usually 10% to 20% of the cost of the house, which you must pay at closing
  • Mortgage insurance, paid by borrowers making a down payment of less than 20%
  • Closing costs, usually 3% to 4% of the cost of the house, to pay for processing all the paperwork
     

    Don’t forget the day-to-day expenses you may incur once you own that home. This includes:

  • Utilities
  • Homeowner or condo association dues
  • Property taxes
  • City or County taxes

2. Shop for a Home

House hunting can be both exciting and frustrating. Most homebuyers see roughly many houses before buying one. To make the search easier and faster, nearly half of all house hunters today begin by browsing for properties on the Internet, using web sites like this one.  Please go to my home page and click on the "Search For Homes" link and you will have access to the same data as Realtors in the areas from Burbank to Thousand Oaks in Los Angeles County.  For Ventura County Property information click on the other link "Here" on my homepage.  This information is up-to-date and accurate.  Other sites on the internet do not provide up-to-date data and lag behind my site.

The Internet is a quick way to see whether the houses that are currently available meet the following critical criteria: in the right location, with the right features and at the right price. If you find after your search on my website that few properties meet with your expectations, you may want to readjust your criteria – change the location, features, price – to increase your chances of finding a house that works for you. If you have any difficulties in this initial search, feel free to contact me for assistance. Homes can become available instantly and I'am always the most current resource for literally up to the minute new home listing information.

Once you know what you want, where you want it and what you can afford, it’s time to see the houses for yourself. To help stay focused, bring with you a checklist of things that you’ve decided ahead of time are important qualities of your future home.

This might include:
 

  • Is there enough room for you to grow in?
  • Is the house structurally sound?
  • Is the house in move-in condition or will it need work?
  • Is it close enough to everyday needs, such as grocery stores, schools, work?
  • Will you feel safe here?
  • Do the appliances that are part of the sale work?
  • Is the yard right for your needs?
  • Do you like the floor plan?
  • Is there enough storage?
  • Will you be happy in this house in winter, summer, spring, fall?

 

You may also want to take some exterior and interior photos of each house you visit so that you can keep track of its pros and cons.

3. Find a Real Estate Professional...That's were I come in...

While you’re not required to use a real estate professional, it is a good idea. A professional has access to a network of contacts and can draw from extensive market knowledge to help pinpoint the right house for you quickly.

A professional also can help you structure your deal to save money, explain the advantages and disadvantages of different types of mortgages and guide you through the paperwork.

4. Research Different Mortgages

There are a variety of mortgage types available today, each with advantages and disadvantages depending on how long you plan to live in the home, the financial marketplace and your income potential, among other things.

A fixed-rate mortgage is the most common. In a fixed-rate mortgage, your interest rate and payment stay the same for the life of the loan.

An adjustable-rate mortgage usually starts out at lower interest rates and lower monthly payments than fixed-rate mortgages, but your rate and monthly payments may rise and fall based on a financial index.

There are also several government mortgage programs available, including FHA mortgages, which are designed to help people who might not otherwise qualify for a loan.

You may also have a choice in loan terms. There are 30-year loans and 15-year loans.

It’s best to talk to me about your best mortgage option.  I may refer you to a Mortgage Broker that can discuss current market financing packages and provide a FREE Loan Qualification.

5. Make an Offer

When you’ve found a house you really want, it’s time to make the offer. How much you offer may depend on a number of factors:

  • Is the asking price fair? Here’s where the legwork you put in while shopping for a home pays off. Decide whether this house is priced right or out of line in the current marketplace.
  • Is the house in good condition? Is this house in move-in condition or will it need a lot of work? Take any costs of improvement into consideration when deciding your offer price.
  • Has it been on the market long? Usually the longer a house has been on the market, the more likely it is the owner would accept a lower offer. Or maybe it’s just overpriced for the market.
  • Is it a seller’s or buyer’s market? If the houses you’re interested in are being bought as soon as they’re listed, that means you’ve got a lot of competition from other buyers; offer accordingly. If houses aren’t selling fast, you may have more leverage in negotiating a lower price.
    Once you’ve determined how much you’d like to offer, work with your real estate professional to submit the proper information. This includes:
  • A complete, legal description of the house
  • The amount of earnest money you’re paying
  • The down payment and financing details
  • A proposed move-in date
  • The price you’re offering
  • A proposed closing date
  • The length of time your offer is valid
  • Details of the deal

This can be just the beginning of the negotiation process. The seller has three options: accept your offer, counter your offer or reject your offer. Let me advise you on the best way to present your offer for a good outcome.

6. Begin Contingency Period

When your offer has been accepted, the contingency period begins. This is time that allows you to obtain financing, perform inspections and satisfy any other contingencies of your purchase agreement.

Obtaining financing might include loan approval, which will include an appraisal of the property. Also be prepared to make your down payment, which is usually due several days before the close of escrow.

Now is the time to schedule a professional inspection of the property; it is one of the best safeguards you can take before buying. A home inspector should check (and may give you a rough price for repairs on) the electrical system, plumbing and waste disposal, the water heater, insulation and ventilation, water source and quality, pests, foundation, doors, windows, ceilings, walls, floors and roof.

Keep in mind that the inspector isn’t there to tell you whether you’re getting a good deal. He or she is there to give you an educated opinion on whether the house is structurally and mechanically sound and fill you in on any repairs that are needed.

7. Buy Homeowner’s Insurance

A paid homeowner’s insurance policy is required at closing. I will help make sure your insurance company and your title officer are working together to put your policy in effect by the close of escrow. But, if you get your insurance agent involved early in your home-buying process, he or she may also help point out ways to help keep your insurance premiums lower.

8. Complete Settlement or Closing

When the property you’re buying has been inspected and you’ve had your final walk-through of the property to see that all contingency conditions – such as final repairs made by the seller -- have been met, it’s time to face the paperwork. You will be signing loan documents and closing papers, paying the balance of your down payment and closing costs. This is the day you get the keys to your new home. Congratulations!
 

Woodland Hills Homes for Sale, Woodland Hills Real Estate

Feel free to contact me any time if I can be of any service!     Mobile  213-500-3456

 
 
 

Here are the cities within the San Fernando Valley area of Los Angeles that I specialize in: Woodland Hills, Warner Center, Tarzana, Encino, Sherman Oaks, Studio City, Valley Village, Van Nuys, Reseda, Canoga Park, Winnetka, Chatsworth, Northridge, Porter Ranch, and Granada Hills.

If you own a condominium or townhouse, and would like current value information please contact Ramin Alai: Ramin alai, condominium, condominiums, condo, condos, townhouse, townhouses, condo king, condo king, Ramin Alai, San Fernando Valley, san Fernando valley condo ,san Fernando valley condos, san Fernando valley condominium, san Fernando valley condominiums, san Fernando valley townhouse, san Fernando valley townhouses, los Angeles condo, los Angeles condos, los Angeles condominium, los Angeles condominiums, san Fernando valley condo agent, san Fernando valley condominium agent, san Fernando valley townhouse agent, san Fernando valley realtor, woodland, woodland hills, Tarzana, Encino, Sherman, Sherman oaks, studio, studio city, valley village, Canoga, Canoga park, Winnetka, Reseda, van Nuys, Nuys, Northridge, Chatsworth, woodland hills condo, woodland hills condos, woodland hills townhouse, woodland hills townhouses, woodland hills condominium, woodland hills condominiums, Warner center condo, Warner center condominium, Warner center townhouse, Warner center townhome, townhome, townhomes, san Fernando valley townhome, san Fernando valley townhomes, los angels condo, Realty

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Information you can find in this site about the San Fernando Valley  Real Estate Markets
 Serving the San Fernando Valley Real Estate

Here at the real estate sales office of Ramin Alai we specialize in superior customer service when it comes to real estate sales of residential homes for sale, houses for sale, condominiums for sale, town homes for sale, or small to mid-sized apartment buildings for sale. We represent buyers and sellers of real estate throughout the San Fernando Valley which includes real estate located in the City of Woodland Hills California 91364, 91365, 91367, 91371 The City of West Hills California 91307, 91308, the City of Calabasas California 91302, 91372 the City of Agoura Hills California 91301, 91376, the City of Canoga Park California 91303, 91305, 91304, 91309, the City of Chatsworth California 91311 and 91313 , the City of  Encino California 91316, 91416, 91426 and 91436, the City of Granada Hills California 91344, 91394 the City of North Hills California 91343, 91393, and the City of Burbank California 91501, 91502, 91503, 91504, 91505, 91506, 91507, 91508, 91510, 91521, 91522, 91523, 91526.


 
 Woodland Hills Real Estate

At the Ramin Alai site in addition to information about real estate, real estate loans, real estate for sale, real estate for rent, real estate for lease, homes for sale , condominiums for sale, houses for sale, town homes for sale, apartment building for sale, town homes for sale, or any other real estate information related to Agoura Hills, Calabasas, Canoga Park, Chatsworth, Encino, Granada Hills, Mission Hills, North Hills, North Hollywood, Northridge, Porter Ranch, Reseda, Sherman Oaks, Studio City, Sun Valley, Tarzana, Toluca Lake, Topanga, Universal City, Valencia, Valley Village, Van Nuys, West Hills, West Hollywood, Winnetka and Woodland Hills you'll find interesting real estate information and links to Chambers of commerce, and school districts for the following cities; City of Woodland Hills California, The City of Encino California, the City of Reseda California, the City of West Hills California, the City of Sherman Oaks California, the City of Tarzana California, the City of Van Nuys California, the City of West Hills California, the City of West Hollywood California, and the City of Winnetka California.


 
 Calabasas Real Estate

Whether it's houses for sale, condominiums for sale, town homes for sale, homes for sale, or apartment buildings for sale, you'll be extremely satisfied with our knowledge of real estate when related to the cities we serve best which include; real estate located in the City of Porter Ranch California 91326, The City of Reseda California 91335 and 91337, the City of Sherman Oaks California 91403, 91413, 91423, 91495, the City of Tarzana California 91356, 91357, the City of Topanga California 90290, the City of North Hollywood California 91601, 91602, 91603, 91605, 91606, 91609, 91611, 91612, 91615 and 91616, the City of Northridge California 91324, 91325, 91327, 91329 and 91330, the City of Van Nuys California 91401, 91404, 91405, 91406, 91407, 91408, 91409, 91410, 91411, 91470, 91482, 91496, 91499, the City of Studio City California 91604, 91614, and the City of Winnetka  California 91306, 91396, the City of Mission Hills California  91345, 91346 and 91395, the City of Thousand Oaks California 91358, 91360, 91362, the City of Westlake village California 91359, 91361, the City of Panorama City California 91402, 91412, the City of Moorpark California 93020, 93021, the City of Canyon Country California 91351, 91386, 91387


 
 Sherman Oaks Real Estate
Most all the cities where we have homes for sale, houses for sale, town homes or condominiums for sale, and apartment buildings for sale ( City of Woodland Hills, City of West Hills, City of Encino, City of Tarzana, City of Sherman Oaks, City of Canoga Park, City of Calabasas, City of Studio City, City of Topanga, Thousand Oaks and City of Valley Village ) have much to offer and you'll find loads of local real estate, school district, and chamber of commerce information including great shopping, restaurants, parks, medical facilities, and businesses. Home prices and styles range from first time home buyers, turn of the Century historical homes, large horse properties, to large view homes, and estate quality homes and houses. There is just about any style of real estate you can imagine available for sale or rent. If the property for sale or home for sale you are looking for is not presently available, we have many aggressive and innovative methods designed to assist you in locating these types of real estate, homes for sale, or houses for sale that you are looking for.
 
 
 Lost Hills Real Estate
If the information you require related to real estate, real estate loans, real estate for sale, real estate for rent, homes for rent, real estate for lease, homes for lease, homes for sale, houses for sale, town homes for sale, apartment building for sale, town homes for sale, condominiums for sale, or any other real estate information related to West Hills, West Hollywood, Winnetka and Woodland Hills, or any other city of the San Fernando Valley is not at our site simply call or email Ramin Alai, or any other member of the B. J. Enterprise real estate sales team as we will be happy to help you gather that real estate related information!

 

 West Hills Real Estate

When real estate is on your mind, Ramin Alai is here to help! Real estate for sale, real estate for lease, real estate anything… You're going to love the real estate services we provide.

For service and information relating to property for sale of Woodland Hills real estate, West Hills real estate, Calabasas real estate, Encino real estate, Burbank real estate, Sherman Oaks real estate, Van Nuys real estate, Tarzana real estate, North Hills real estate, or West Hills real estate, call Ramin Alai, or any other member of the B. J. Enterprise real estate sales Team. Real Estate is our life.

 
Contact info
You have my firm commitment that I will work hard with you to fulfill all of your real estate needs now, and in the future! With  years of real estate experience in the area, my goal is to offer you the best service possible to help make your dreams come true.  "Let my knowledge and know how work for you!"
 
B. J. Enterprise and Investment
6038 Fallbrook Ave. Woodland Hills, California 91367
C. 213-500-3456   F. 818-719-0009
DRE License Number: 01863052
Call 213.500.3456

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