Buyer's Guide

Everything You Need To Know About The Process Of Buying A New Home.

A STEP-BY-STEP HOMEBUYER'S GUIDE

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Step 1: Prioritize

As part of our complimentary home buying consultation, we will help you prioritize your needs, wants and priorities. We will also discuss your purchase timeline and after our consultation provide a buyer’s estimated closing statement so you can understand future costs to expect.

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Step 2: Prepare

Understand the costs associated with your purchase as well as your monthly budget.  Before you get your heart set on a home, speak to a mortgage professional (contact us for a list of reputable lenders).  A mortgage lender can advise you on current interest rates, the types of loans available, and factors that may affect a mortgage like duration of time at a job, debt to income ratio, credit score, past bankruptcies, or other financial considerations. After reviewing your financial history, a mortgage lender can provide you with a  pre-approval letter. A pre-approval letter from a reputable lender is a must when you make an offer on a home as most sellers will not entertain offers from buyers who aren’t already prequalified for a loan.

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Step 3: Search

Start shopping! It’s time to explore your options and learn the local market.  We will work with you to assess neighborhood pros and cons and guide you through our exclusive process of how we go about your home search. 

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Step 4: Offer Review & Submission

Once we’ve identified your next home, we will review with you comparable properties in the area that have sold, provide you with our customized Comparative Market Analysis and strategize a smart offer with winning terms and price.   You can be sure that we will fiercely negotiate the best price and terms on your behalf!

Our 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: Escrow

Your initial deposit is due to escrow within 3 business days from acceptance.  Within the first 5-7 days, unless otherwise addressed, you will receive seller disclosures and the preliminary title report.  Our transaction coordinator will assist you and us, in making sure that all documents are properly signed after your review and that timeframes are adhered to as per the agreement.

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Step 6: Due Diligence

Your due diligence period includes all buyer investigations.  This means you can conduct just about any type of inspection you wish such as your physical home inspection, pool/spa inspection, roof inspection etc.  Use this time to have your inspector check on the items that the seller has disclosed as needing repair or perhaps was recently repaired.  The lender’s appraisal is also conducted during this time.  Once the above contingencies have been satisfied, you agree to move forward and remove those contingencies of the sale and progress towards closing.  Escrow will send you a package of documents to complete and return.

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Step 7: Week Before Closing

This is when your final walk-through is conducted.  Often the owner is present to show you functionality aspects of the property.  The final down payment is due and funding of the loan occurs 1-2 days prior to closing. 

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Step 8: Day of Closing

Once the loan is funded, escrow sets up recording with title and the county assessor’s office.  Once we have confirmation of recording from the county, the home is officially yours!  We will notify you as soon as we receive this call and setup a time to hand over keys so you can start moving.  Time to celebrate!

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.

Testimonials

With 7 times more 5 Star reviews than any agent in our marketplace, our experience and sales history saves our clients money and produces an elevated experience.
Katherine K.

Katherine K.

My experience with Sue and Gina De Legge was absolutely wonderful. I had met Sue a number of years ago when I contemplated moving to the San Diego area at some point in the future. After I retired I thought more about moving to...
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Enrea J.

Enrea J.

Sue De Legge and Gina De Legge-Habchi were such a pleasure to work with! They both are super hard-working and made me feel confident through the entire selling process. They are masterful negotiators, always looking for my best...
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Renee B.

Renee B.

I highly recommend this team! Sue De Legge & Gina De Legge-Habchi are professional, excellent communicators, quick to respond, thoughtful, attentive, trustworthy & were an absolute delight to work with from beginning to end! I ...
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Kim H.

Kim H.

We have had the privilege of using Sue De Legge to sell a property and now purchase a property. 1st class all the way. We got top dollar for the property we sold and she found a gorgeous home for our family to purchase. She lis...
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Rick B.

Rick B.

Sue De Legge and Gina De Legge-Habchi offered excellent advice in marketing our home especially when it came to presentation, staging, and advertising. Sue De Legge's negotiating prowess resulted in a final sales price signific...
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Ted K.

Ted K.

Sue De Legge and Gina De Legge-Habchi did a fantastic job selling our home. They listened to our thoughts, gave us great advice, and worked tirelessly to get us exposure and buyer traffic. They were pleasant and always availabl...
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Amy W.

Amy W.

Sue De Legge and Gina De Legge-Habchi were great to work with. They have an impressive depth of knowledge. With great photography and extensive marketing, our property was widely advertised. Would highly recommend them!
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Jonni J.

Jonni J.

Well, where do I start when it comes to a recommendation for you. Is it where you have now spoiled us for using any other realtor? Really, up until we met you, our expectations were of a certain standard for realtors - we have ...
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Arthur S.

Arthur S.

Selling and buying a home can be a very emotional and stressful process especially in today's real estate environment. Fortunately for us, that experience was mitigated by the outstanding relationship we forged with Sue and Gin...
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Tami D.

Tami D.

We would consider Sue and Gina two of the top realtors we have worked with. Their marketing is the most extensive that I have seen. While we were not the most motivated of sellers they stuck with us and with great patience and ...
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Mario S.

Mario S.

It is hard to put in words how I feel about Sue and Gina. First of all, let me tell you if you are looking for a real estate broker that is laid back, informal, relaxed, and with little experience, then these ladies are not for...
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Robyn K.

Robyn K.

After moving to San Diego from Boston, Sue and Gina worked with us over an extended period of time to help us find a house. They were extremely patient as we searched for just the right place. It didn’t take long before they le...
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Ingo B.

Ingo B.

We chose Gina and Sue De Legge to sell our house in Encinitas Ranch. They did an outstanding job representing us as their sellers. Gina and Sue used all the marketing tools that are available on the market. It started with clas...
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Dennis B.

Dennis B.

Sue and Gina are great! Honestly selling a home can be a difficult thing to do. However, selling a home you lived in for 20+ years and raised two children is "off the charts" hard. Sue and Gina took what was a difficult process...
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Jack F.

Jack F.

Sue and Gina De Legge are the perfect real estate team in San Diego's North County; I can't imagine using anyone else., We had just retired, and our goal was to sell our home of 30 years, buy an RV, and travel the country. We h...
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Sylvia S.

Sylvia S.

Sue and Gina are exceptionally knowledgeable about their market. They priced our home accurately to quickly receive a strong, qualified offer. We used their contacts to make the repairs they determined necessary and to do the s...
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Daryl T.

Daryl T.

Sue and Gina recently helped us lease one unit of our duplex, a duplex we bought through Sue in 2009. We were so impressed with her during that sale, we kept in touch with her over the years. Sue and Gina did an amazing job of ...
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Judy R.

Judy R.

Sue and Gina are fabulous real estate agents. They are professional, personable, and get the job done. They helped us negotiate a purchase on our Rancho Santa Fe property against another potential buyer five years ago. When we ...
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Rob H.

Rob H.

Gina was amazing. Not only is she efficient, knowledgeable, and attentive, she produces results quickly. She found a renter for us in a week, which is not always easy to do in the middle of winter, and all of the candidates she...
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Dawas Family

Dawas Family

Sue and Gina worked very hard to get us the very best price on our home by utilizing their incredible marketing program and negotiating skills. In addition, Sue and Gina were always available and made us feel like we were their...
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WORK WITH US

Sue & Gina De Legge provides their clients with a higher level of personalized attention that you won’t find anywhere else. They focus on going above and beyond their client's expectations so that they earn a long-term relationship built on trust wherein they become referable.

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