The Home Buying Process: Research Prequalification Affordability Inspections Appraisal Loan Close
a.
As soon as you can, start reading Web sites, newspapers, and magazines that have real estate listings. Make a note of particular homes you are interested in and see how long they stay on the market. Also, note any changes in asking prices. This will give you a sense of the housing trends in specific areas.
A pre-approved mortgage will lock in your interest rate for a set time period while you house hunt. It’s essential in today’s seller’s market. It guarantees the seller you are ready and willing to purchase a home. It assures the seller you have the funds and ability to close. This lessens the risk to the seller and makes your offer much stronger.
Lenders generally recommend that people look for homes that cost no more than three to five times their annual household income if the home buyers plan to make a 20% down payment and have a moderate amount of other debt.
"Dawn and Manny are excellent real estate professionals! Helpful, communicate very well and listen to their client needs and concerns. I would recommend this team to anyone in need of real estate needs.
Thank you Dawn and Manny!"
tmddc1224
Bought and sold a Single Family home in 2020 in Sacramento, CA.
"Manny & Dawn are an exemplary team. They were always there for us by phone, text or in person with anything we needed or for questions we had. They took great care in selling our home and making us comfortable through the whole process. We highly recommend them and consider them friends. We are very grateful for everything they did for us."
57gregr
Sold a Single Family home in 2020 in El Dorado Hills, CA.
Real estate agents are important partners when you’re buying or selling a home. Real estate agents can provide you with helpful information on homes and neighborhoods that isn’t easily accessible to the public. Their knowledge of the home buying process, negotiating skills, and familiarity with the area you want to live in can be extremely valuable. And best of all, it doesn’t cost you anything to use an agent – they’re compensated from the commission paid by the seller of the house.
Typically, purchase offers are contingent on a home inspection of the property to check for signs of structural damage or things that may need fixing. Your real estate agent usually will help you arrange to have this inspection conducted within a few days of your offer being accepted by the seller. This contingency protects you by giving you a chance to renegotiate your offer or withdraw it without penalty if the inspection reveals significant material damage.
Both you and the seller will receive a report on the home inspector’s findings. You can then decide if you want to ask the seller to fix anything on the property before closing the sale. Before the sale closes, you will have a walk-through of the house, which gives you the chance to confirm that any agreed-upon repairs have been made.
Start touring homes in your price range. It might be helpful to take notes on all the homes you visit. You will see a lot of houses! It can be hard to remember everything about them, so you might want to take pictures or video to help you remember each home.
b.
c.
Lenders will arrange for an appraiser to provide an independent estimate of the value of the house you are buying. The appraiser is a member of a third party company and is not directly associated with the lender. The appraisal will let all the parties involved know that you are paying a fair price for the home.
As you can imagine, there is a lot of paperwork involved in buying a house. Your lender will arrange for a title company to handle all of the paperwork and make sure that the seller is the rightful owner of the house you are buying.
At closing, you will sign all of the paperwork required to complete the purchase, including your loan documents. It typically takes a couple of days for your loan to be funded after the paperwork is returned to the lender. Once the check is delivered to the seller, you are ready to move into your new home!
"Dawn and Manny have been helping our extended family through multiple purchases/sells and they have been absolutely a pleasure to work with through the entire process. They are always available, friendly and extremely supportive. We are not local and they have been incredibly helpful with multiple FaceTime house viewings and final walkthrough with the seller, since we couldn't always be present in person, going out of their way to help us buy our new perfect home."
hsikaria
Bought a Single Family home in 2020 in Folsom, CA.
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Top Team
Folsom - EDH - Granite Bay
Long time business partners, Manny Cazares & Dawn Baltar, bring you years of successful experience in preparing, marketing, selling and purchasing luxury homes and land in El Dorado Hills, Folsom, Granite Bay and the surrounding areas in Northern California. When you want to work with a full time, professional and top producing team to facilitate the sale or purchase of your home, the team of Cazares & Baltar is a very best choice. We put together a team to help us so we can spend more time with you making sure all your real estate needs are met. We make your real estate transaction as personal and seamless as possible.
Whether it’s your first home or your forever home we want to be your real estate consultants to make it a reality!
Manny Cazares
Principal - REALTOR
916.804.1400
I have been living and selling real estate in the El Dorado Hills, GraniteBay and Folsom area of Northern California since 1987. I believe that professional and personal service is what every seller and buyer is entitled to and I attribute my success to the fact that I focus on providing this service to you.
Dawn Baltar
Principal - REALTOR
916.879.0428
I began my Real Estate career after college in North Carolina. In my first year, I was the ‘Rookie of the Year’ and also received a Top Sales award. I realized even then that my success was directly related to the relationships that I built with my clients.
OUR WINNING STRATEGY
Twice The Selling Power
As a team you get the power of two highly professional and successful REALTORS marketing your home. Connecting with other buyers agents and powered by the 3rd largest real estate brokerage in the world, we guarantee the maximum exposure for your home
Ten Times The Service
Our goal is 100% satisfaction! Our Team of dedicated professionals will seamlessly work to ensure every step of the way is an amazing experience. From staging, marketing, designing, negotiating, title & escrow we’ve got you covered.
Power Of eXp
With the Power of third largest real estate brokerage in the world selling over $72 billion in 2020 you can trust we can get the job done. We are locally focused and globally connected.
Marketing
Utilizing the latest technology, print, social media we are here to capture your homes story and share it with the world while uncovering the ideal buyer. Targeted advertising throughout the Bay Area locally and globally focused on the end result.
Destinations
Community
It’s different here. And not by accident.
It’s different here. And not by accident.
Explore our neighborhood guides to learn more about what makes Sacramento, El Dorado
and Placer Counties some of the most desirable places to live across the country.
If you like living in an area with gently rolling hills, oak trees and views of the Sierras, downtown Sacramento, and Folsom Lake, then El Dorado Hills in Northern California is the place for you. [...]
Folsom offers wonderful recreational activities right in your backyard. There’s Folsom Lake, Lake Natoma and the American River with boating, water skiing, swimming, hiking, biking [...]
Located next to Folsom Lake, which is one of the area’s most popular recreation areas, Granite Bay, CA is home to people who want to be able to experience the outdoors and live in upscale homes [...]
Let's Connect
Use this form to connect with Cazares and Baltar. We are happy to answer any questions you may have and to strategize together on the best way to get your home sold!