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Buyer's Guide

Where to start when buying real estate? Before you jump in make sure you review the "buyer's guide" below this page. Remember, I can assist you in the entire process and make this a smooth and happy experience.

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WHEN I REPRESENT YOU IN A PURCHASE YOU RECEIVE
  • Appointments to fit your busy schedule.
  • A portal created specially for you to receive all new properties within your criteria, as soon as they hit the market.
  • Information regarding desired neighborhoods.
  • Compareble Market Analysis of the properties you select before you make and offer, to help you decide your offered price.
  • Introduction to amazing lenders (should you need it).
  • Advised and Coordination of needed inspections to have on specific properties.
  • Professional advise and guidance to have a successful closing.

A Step-by-Step First Time Buyer's Guide


Buying a home is one of the most exciting milestones of your life. To prepare yourself for this moment, you need to know what to expect during the process. This step-by-step first time buyer’s guide created by your agent will help reduce the stress of buying a home and help you enjoy the journey as much as possible.

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Step 1: Research


Do you already know where you want to buy? If you want a condo, townhome, or single-family home? Which features do you like and dislike? What’s available on the market now? If you answered no to any of these questions, now is the time to start researching. In addition to looking for homes that interest you, also take note of any changes in asking prices. This could give you valuable insight into housing trends in specific neighborhoods and help you when the time comes to make an offer.

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Step 2: Decide on your budget


Notice I said to decide on your budget—not determine how much the mortgage company will give you. In many cases, a mortgage company will pre-approve you for more than you’re comfortable spending, which is why you need to determine the monthly payment you feel comfortable with before talking to a lender. This likely includes doing a full household budget and taking into consideration what changes other than a mortgage payment will occur once you move into your new home. If you’ve lived in an apartment or with roommates, you may overlook new expenses like garbage, water, or HOA fees that could easily blow your budget.

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Step 3: Get Prequalified


Just because you think you can afford a certain payment every month doesn’t mean the mortgage company will agree. Just as they may approve you for too large of an amount, they may also approve you for a lesser amount or deny you a mortgage altogether. Lack of time at a job, insufficient credit, past bankruptcies, or other financial issues can cause major problems when trying to secure a mortgage. Before you get your heart set on a home, talk to a mortgage professional to find out what amount you can qualify for. This will also be an advantage when you make an offer on a home, as some sellers won’t entertain offers from those who aren’t already prequalified for a loan.

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Step 4: Choose a Real Estate Agent


Can you shop for, look at, and ultimately make an offer on a home without a real estate agent? Technically yes, but why would you when it costs you nothing for an agent like me to take much of the stress off your shoulders? Not only will I help identify properties you might be interested in, arrange showings, and ultimately handle the offer process, but I also have a knowledge of the market that you don’t possess. I may be able to steer you away from certain homes or neighborhoods, suggest hidden gems, or give you pointers that will help you find your dream home for the right price.

My goal is to provide you with the most personalized service that is designed to help you buy your dream home.

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Step 5: Find the Right Home


This should be the most enjoyable step of the entire process (other than moving in!). I will arrange showings of homes you’re interested in that are within your price range. Take notes about what you like and don’t like, and make sure to pay attention to details. Turn light switches on and off, open and close doors, and run the faucets in various rooms. Don’t limit your inspection to the home itself. Make sure to take time to explore the neighborhood and keep an eye on traffic at certain times of the day, the parking situation, and how close it is to necessities like schools and grocery stores.

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Step 6: Make an Offer


Once you have selected the perfect home, work with your agent to craft a fair offer based on the value of comparable homes on the market. Depending on what the home is listed at and whether the current environment is a buyer’s or seller’s market, your offer may be below, at, or even above the asking price. I will be able to help you negotiate if you receive a counteroffer and reach an agreement. At this point, the house will go into escrow.

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Step 7: Have the Home Inspected


In most cases, your offer will be contingent on having the home inspected to ensure there is no major structural damage or large repairs needed. I can help you arrange this, and you can schedule it within days of making an offer. If there are no major issues, the process goes to step eight. If there is, you can renegotiate your offer based on what needs to be fixed, or you can withdraw it.

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Step 8: Select Your Loan


Now is the time to go back to the mortgage lender who pre-approved or pre-qualified you and choose your mortgage. You will be presented with various options based on your unique financial situation, including fixed-rate, variable-rate, 15-year, 30-year, or special programs such as VA loans or FHA loans. Work with your mortgage lender to select the option you feel the most comfortable with.

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Step 9: Get a Home Appraisal


Your lender will have your new home appraised so they have their independent value of it. The appraisal is to ensure that all parties involved are paying a fair price for the house.

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Step 10: Finish Paperwork


No one looks forward to all the paperwork involved in buying a home, but it’s a necessary part of the process. Fortunately, everything will be arranged by your lender and title company and, when you’re finished, you’ll know you are the legal owner of your new home.

Congratulations!


After signing the final paperwork to complete the purchase, you are now the owner of a new house. It may take a few days for your loan to be funded once the paperwork has been returned to the lender, but once that check is delivered to the seller, you’ll be all set to move into the home of your dreams.

Mary Hernandez
Jose Ordaz
Aaron Santos
Joe Tracy
Ernest Barcinas
Josefina Ceja
WHAT MY CLIENTS SAY

If you're looking for a Realtor who is detail oriented, highly motivated, customer centered, professional with the utmost integrity, Lilea Enriquez is your Realtor. Lilea has years of experience in the real estate and business industry - she knows the market and works hard for her client(s) whether you are the Seller or the Buyer. Most importantly, she is a "communicator" and acts accordingly. I have...

— Mary Hernandez

WHAT MY CLIENTS SAY

I would like to take a moment to thank the most attentive realtor, Lilea Enriquez. Lilea has been through every step of the process with me from house hunting, deal financing, and closing. Her advice and guidance has been nothing short of transformative. Lilea treated me as a family member rather than just a client, a characteristic that makes her stand out among other realtors. Throughout this process, ...

— Jose Ordaz

WHAT MY CLIENTS SAY

We used Lilea for the first time several years ago when we purchased our first home. She helped educate us on a process we were completely unfamiliar with and was patient while helping us learn the ins and outs of home buying. She made sure we got a good deal and the builders kept their promises. Fast forward to my kids needing to buy their first home and we called on her again. Same results. Then we nee...

— Aaron Santos

WHAT MY CLIENTS SAY

Lilea was the perfect agent for me. Her search portal is the best search engine for finding a home of the many I tried before finding her. Lilea was absolutely no pressure to buy & she sure did take me to see many homes before I settled on the one I bought. She looked out for my interest in all aspects from price negotiation to contract closing. Should the need arise I'll be using her again & I would hig...

— Joe Tracy

WHAT MY CLIENTS SAY

Awesome as always, we always enjoy using Lilea as our realtor! She goes above and beyond for her clients. We highly recommend her to anyone searching for a new home or to sell their current one. We always love our experience with her. She will not disappoint you and always be there to help you when needed. Again thank you for everything you've done for us Lilea!!

— Ernest Barcinas

WHAT MY CLIENTS SAY

Excelente! mi experiencia con Lilea fue excelente nos ayudó desde el principio hasta el final y tiene unas ideas increíbles, tiene mucha experiencia en lo que hace . Gracias Lilea por todo.👍🏼

— Josefina Ceja

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Work With Lilea

When buying or selling your property, the most important thing to know is that, no matter how far you think you are from achieving your Real Estate dreams, I am on your side and I know how to help you reach your goal. Surely, I am that person for you.