{"id":14787,"date":"2021-03-24T10:03:40","date_gmt":"2021-03-24T10:03:40","guid":{"rendered":"https:\/\/www.openbusinesscouncil.org\/?p=14787"},"modified":"2021-03-25T11:35:37","modified_gmt":"2021-03-25T11:35:37","slug":"how-to-buy-houses-in-california-as-a-first-timer","status":"publish","type":"post","link":"https:\/\/www.footballthink.com\/how-to-buy-houses-in-california-as-a-first-timer\/","title":{"rendered":"How to Buy Houses In California As A First-Timer"},"content":{"rendered":"<p><img decoding=\"async\" loading=\"lazy\" class=\"aligncenter wp-image-14791\" src=\"https:\/\/www.openbusinesscouncil.org\/wp-content\/uploads\/2021\/03\/Buy-Houses.jpg\" alt=\"\" width=\"800\" height=\"533\" srcset=\"https:\/\/www.footballthink.com\/wp-content\/uploads\/2021\/03\/Buy-Houses.jpg 1140w, https:\/\/www.footballthink.com\/wp-content\/uploads\/2021\/03\/Buy-Houses-300x200.jpg 300w, https:\/\/www.footballthink.com\/wp-content\/uploads\/2021\/03\/Buy-Houses-1024x683.jpg 1024w, https:\/\/www.footballthink.com\/wp-content\/uploads\/2021\/03\/Buy-Houses-768x512.jpg 768w, https:\/\/www.footballthink.com\/wp-content\/uploads\/2021\/03\/Buy-Houses-287x190.jpg 287w\" sizes=\"(max-width: 800px) 100vw, 800px\" \/><\/p>\n<p><span style=\"font-weight: 400;\">Purchasing <\/span><a href=\"https:\/\/www.bhhscalifornia.com\/for-sale\/listdate_dsort\" target=\"_blank\" rel=\"noopener noreferrer\"><span style=\"font-weight: 400;\">houses for sale in California<\/span><\/a><span style=\"font-weight: 400;\"> can be overwhelming, especially for those who have not experienced it before. From the numerous steps, tasks, and requirements to the thought of spending maybe a lifetime\u2019s worth of fortune, the absence of anxiety may be unnatural at this point. Thus, the real estate market had created special advantages for first-time homebuyers to enjoy. To demystify the seemingly overwhelming process of purchasing a house, here is an overview of the essential things to consider before buying, the things to expect from the buying process itself, and some advice to make the most of your life living in your first home or <\/span><a href=\"https:\/\/www.openbusinesscouncil.org\/7-tips-to-build-your-interior-design-business-startup\/\" target=\"_blank\" rel=\"noopener noreferrer\"><span style=\"font-weight: 400;\">business property<\/span><\/a><span style=\"font-weight: 400;\">.<\/span><\/p>\n<h2><b>What do you need to consider before purchasing a California property?<\/b><\/h2>\n<p><span style=\"font-weight: 400;\">Like any other undertaking, it is imperative to determine your goals, especially long-term, and how home-ownership fits with those goals. Perhaps you want to transform all those \u201cwasted\u201d rent payments into mortgage payments to draw off something tangible: equity. Or maybe you seek independence and believe that owning your own house and being your landlord is a great way to do it. Or perhaps you see home-ownership as a great form of investment. Whatever your goal or reason is, narrowing down these big-picture masterplans will point you in the right direction.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Here are some things to consider:<\/span><\/p>\n<h3><b>Financial Stability<\/b><\/h3>\n<p><span style=\"font-weight: 400;\">The most basic thing to consider in acquiring houses for sale in California is if you have the finances to buy one. Before going through pages of online listings or searching for your dream home, it would be wise to do a <\/span><a href=\"https:\/\/www.forbes.com\/sites\/kellyphillipserb\/2016\/01\/05\/10-things-you-absolutely-need-to-know-about-buying-a-home\/?sh=3c4b754b4158\" target=\"_blank\" rel=\"noopener noreferrer\"><span style=\"font-weight: 400;\">serious audit of your finances<\/span><\/a><span style=\"font-weight: 400;\">. Put into consideration the expenses of buying a home and the expenses that come after actually owning one. Your audit\u2019s result will tell you if you are ready to take on the next big step or need more time to prepare. Consider these steps:\u00a0<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Examine your savings.\u00a0<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Don\u2019t even consider buying a home if you do not have an emergency savings account that can cover three to six months of your living expenses.\u00a0<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">There will be significant upfront costs from the down payment to the closing costs in purchasing a home. You have to have enough money not only for these costs but also for emergency costs. Lenders usually require it.<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">One of the significant challenges is keeping your savings in an accessible yet relatively safe mode that still provides a return, so you\u2019re keeping up with inflation.<\/span><\/p>\n<h3><b>Type of Property Suitable for Your Needs<\/b><\/h3>\n<p><span style=\"font-weight: 400;\">In purchasing your first residential property, you will get bombarded with several options: a traditional single-family home, a townhouse, a condominium, a co-operative, or a multi-family building with two or more units. Each choice has its pros and cons, depending on your homeownership goals. Whichever option you end up choosing is up to you but be forewarned of a fixer-upper. You might save on the purchase price by opting for a fixer-upper, but the amount of time, sweat, and money required to turn one into your dream home might be far more than anticipated.\u00a0<\/span><\/p>\n<h3><b>How Many Mortgages Can You Qualify to Receive\u00a0<\/b><\/h3>\n<p><span style=\"font-weight: 400;\">Another thing to consider before getting houses for sale in California is to get an idea of how much a lender is willing to lend you to purchase your first home. Sometimes, there is a discrepancy between what you think you can afford and what the lenders think you are capable of purchasing. For instance, you may feel that you can afford a $300,000 home. Still, lenders might think you&#8217;re only good for $200,000 based on factors at play, such as how much other debt you\u2019re into, your monthly income, and how long you have been at your current job. It is a must to be clear on how much you can afford to spend because many realtors will not spend time with clients who haven&#8217;t clarified how much they can spend.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">It will help get preapproved for a loan before placing an offer on a home: In many instances, sellers will not even entertain an offer not accompanied by a mortgage pre approval.\u00a0<\/span><\/p>\n<h3><b>What should you expect when looking for houses for sale in California?<\/b><\/h3>\n<p><span style=\"font-weight: 400;\">California houses several environmental amenities &#8211; the beaches and the mountains &#8211; that make housing in every direction impossible. But, this same reason also makes a living in California a premium.<\/span><\/p>\n<p><a href=\"https:\/\/propertyid.com\/california-first-time-home-buyer\" target=\"_blank\" rel=\"noopener noreferrer\"><span style=\"font-weight: 400;\">High housing costs<\/span><\/a><span style=\"font-weight: 400;\"> often cause young people and starting families to rent out residences first instead of acquiring them.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">True enough, purchasing your first house is exciting, freeing even. But, it is by no means easy. From your finances to the local economy and California\u2019s housing market, several factors will impact the home you would want to buy and how much it costs.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Now that you know how purchasing a house works, you can now make better, calculated steps. The more you know about the steps to owning your very own California dream house, the better you\u2019ll navigate your choices.<\/span><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Purchasing houses for sale in California can be overwhelming, especially for those who have not experienced it before. From the numerous steps, tasks, and requirements to the thought of spending maybe a lifetime\u2019s worth of fortune, the absence of anxiety may be unnatural at this point. Thus, the real estate market had created special advantages [&hellip;]<\/p>\n","protected":false},"author":7,"featured_media":14791,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_mo_disable_npp":""},"categories":[3822],"tags":[7317],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v18.1 (Yoast SEO v19.7.2) - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>How to Buy Houses In California As A First-Timer - OpenBusinessCouncil Directory<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.footballthink.com\/how-to-buy-houses-in-california-as-a-first-timer\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"How to Buy Houses In California As A First-Timer\" \/>\n<meta property=\"og:description\" content=\"Purchasing houses for sale in California can be overwhelming, especially for those who have not experienced it before. 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Thus, the real estate market had created special advantages [&hellip;]\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.footballthink.com\/how-to-buy-houses-in-california-as-a-first-timer\/\" \/>\n<meta property=\"og:site_name\" content=\"OpenBusinessCouncil Directory\" \/>\n<meta property=\"article:published_time\" content=\"2021-03-24T10:03:40+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2021-03-25T11:35:37+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/www.footballthink.com\/wp-content\/uploads\/2021\/03\/Buy-Houses.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"1140\" \/>\n\t<meta property=\"og:image:height\" content=\"760\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"Hernaldo Turrillo\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"Hernaldo Turrillo\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"4 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\/\/www.footballthink.com\/how-to-buy-houses-in-california-as-a-first-timer\/#article\",\"isPartOf\":{\"@id\":\"https:\/\/www.footballthink.com\/how-to-buy-houses-in-california-as-a-first-timer\/\"},\"author\":{\"name\":\"Hernaldo Turrillo\",\"@id\":\"https:\/\/www.footballthink.com\/#\/schema\/person\/b9610afd0759dc701187a7f622375c23\"},\"headline\":\"How to Buy Houses In California As A First-Timer\",\"datePublished\":\"2021-03-24T10:03:40+00:00\",\"dateModified\":\"2021-03-25T11:35:37+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\/\/www.footballthink.com\/how-to-buy-houses-in-california-as-a-first-timer\/\"},\"wordCount\":834,\"publisher\":{\"@id\":\"https:\/\/www.footballthink.com\/#organization\"},\"keywords\":[\"real estate\"],\"articleSection\":[\"Resources\"],\"inLanguage\":\"en-US\"},{\"@type\":\"WebPage\",\"@id\":\"https:\/\/www.footballthink.com\/how-to-buy-houses-in-california-as-a-first-timer\/\",\"url\":\"https:\/\/www.footballthink.com\/how-to-buy-houses-in-california-as-a-first-timer\/\",\"name\":\"How to Buy Houses In California As A First-Timer - OpenBusinessCouncil Directory\",\"isPartOf\":{\"@id\":\"https:\/\/www.footballthink.com\/#website\"},\"datePublished\":\"2021-03-24T10:03:40+00:00\",\"dateModified\":\"2021-03-25T11:35:37+00:00\",\"breadcrumb\":{\"@id\":\"https:\/\/www.footballthink.com\/how-to-buy-houses-in-california-as-a-first-timer\/#breadcrumb\"},\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\/\/www.footballthink.com\/how-to-buy-houses-in-california-as-a-first-timer\/\"]}]},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\/\/www.footballthink.com\/how-to-buy-houses-in-california-as-a-first-timer\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Home\",\"item\":\"https:\/\/www.footballthink.com\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"How to Buy Houses In California As A First-Timer\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\/\/www.footballthink.com\/#website\",\"url\":\"https:\/\/www.footballthink.com\/\",\"name\":\"OpenBusinessCouncil Directory\",\"description\":\"Openbusinesscouncil\",\"publisher\":{\"@id\":\"https:\/\/www.footballthink.com\/#organization\"},\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\/\/www.footballthink.com\/?s={search_term_string}\"},\"query-input\":\"required name=search_term_string\"}],\"inLanguage\":\"en-US\"},{\"@type\":[\"Organization\",\"Place\"],\"@id\":\"https:\/\/www.footballthink.com\/#organization\",\"name\":\"openbusinesscounsil\",\"url\":\"https:\/\/www.footballthink.com\/\",\"sameAs\":[],\"logo\":{\"@id\":\"https:\/\/www.footballthink.com\/how-to-buy-houses-in-california-as-a-first-timer\/#local-main-organization-logo\"},\"image\":{\"@id\":\"https:\/\/www.footballthink.com\/how-to-buy-houses-in-california-as-a-first-timer\/#local-main-organization-logo\"},\"openingHoursSpecification\":[{\"@type\":\"OpeningHoursSpecification\",\"dayOfWeek\":[\"Monday\",\"Tuesday\",\"Wednesday\",\"Thursday\",\"Friday\",\"Saturday\",\"Sunday\"],\"opens\":\"09:00\",\"closes\":\"17:00\"}]},{\"@type\":\"Person\",\"@id\":\"https:\/\/www.footballthink.com\/#\/schema\/person\/b9610afd0759dc701187a7f622375c23\",\"name\":\"Hernaldo Turrillo\",\"description\":\"Hernaldo Turrillo is a writer and author specialised in innovation, AI, DLT, SMEs, trading, investing and new trends in technology and business. 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