Services

Check Your Financial Readiness

Start by understanding what you can afford.

Review your income, savings, and monthly expenses
Check your credit score (higher = better loan terms)
Estimate how much you can put down (typically 3%–20%)

👉 Rule of thumb: Your monthly housing cost should stay around 25–30% of your income.

Get Pre-Approved for a Mortgage

Before house hunting, talk to lenders.

They’ll review your finances and give you a pre-approval letter
This shows sellers you’re serious
Helps you set a realistic budget

You can compare lenders like Rocket Mortgage or Wells Fargo.

Find a Real Estate Agent

I, Ivonne Varela will:

Help you find homes
Negotiate price
Guide paperwork

Start House Hunting

Now the fun part:

Visit homes in person
Compare neighborhoods,

commute, schools, etc.

Make an Offer

When you find “the one”:

submit an offer
Seller may accept, reject, or counter
You may negotiate price and terms

Home Inspection & Appraisal

Once your offer is accepted:

Inspection: checks for problems (roof, plumbing, etc.)
Appraisal: lender ensures the home is worth the price

You can renegotiate or walk away if major issues come up.

Finalize Your Mortgage

Now you lock in your loan:

Submit documents (pay stubs, bank statements)
Choose loan type (fixed vs adjustable)
Review closing disclosure

Closing Day

This is the finish line:

Sign all legal documents
Pay closing costs (typically 2–5% of home price)
Get your keys 🔑

Move In!

Set up utilities
Change address
Start making it your home

Our Testimonials

Words That Reflect

Our

Commitment

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Jack Ezra

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