Buying your first home can be one of the most exciting experiences of your life


But it can also be one of the

 👻 scariest,  😓 complicated, 😳 confusing

Things you have ever thought about doing.
 If you’ve never purchased a home before, the fear of all those unknown variables can make the experience stressful, frustrating, and downright terrifying.

Are you thinking about purchasing a home?

But have no idea where to start?

Does the thought of it make you break out in a cold sweat?

Don't Worry

Even seasoned home-buyers deal with a certain level of fear as they get ready to buy real estate. 


HOW WILL WE DO IT?

Join The Private Facebook Group

 Monterey Peninsula Homebuyers Support Group


News Flash You Don't Have To Do It Alone ! 

DeLuca Real Estate has created  

The Homebuyer's Support Group


WHY?


I posted this question on social media :


Name the ONE THING that is stopping you from buying a home and 

 🚫STOP  Paying Rent?“

The answers I got from the public were so far from reality I am going to give back to the community and dedicate time in 2018 to homebuyer education. Providing a safe place for people to learn what it takes to become a homeowner in a no pressure, supportive environment. We will encourage, educate and as a group we will achieve homeownership. If you already own a home and want to add to your collection, Yes, you are welcome to join.

HOW WILL WE DO IT?

Join The Private Facebook Group

 Monterey Peninsula Homebuyers Support Group


We will have step by step lessons in what to do and how to win from choosing a lender, fixing your credit if you need to, searching for homes, making winning offers, understanding the market. The entire process from  financing, down payments, offers getting accepted, Inspections, disclosures, escrow, title, signing, closing to  handing you the keys to your very own home will no longer be a mystery. 

You can participate in whatever way works for you and your lifestyle.

 THIS IS WHAT YOU GET TO HAVE:

Participate in the private FB page ask questions, engage in discussions, watch, learn

Videos Uploaded to our U-Tube Page

Live Webinars

Free One on One Consultation

Group Events

STEP 1

The number one fear most first time home-buyers struggle with is the fear they can’t afford to buy a home.

While there are certainly people who aren’t in the financial position to purchase a home, becoming a homeowner isn’t as expensive as you might think you don't need to have $150,000 saved — your credit might be fine, there are so many financing options that you don't even know about...yet and sometimes, all it takes to be able to buy a home is a little budgeting.

If you’re worried about being able to afford a home,  we will start by

taking a good, hard look at your finances. We will get everything you need together and get you set up with a few different lenders to "shop" for a mortgage. Don't worry, we will teach you how to get the best loan for the best rate.

First Things First

✅Make a list of all of your monthly expenses and all of your debt. 
✅How much are you spending per month on living expenses?
 ✅How does that compare to how much you’d be spending per month on living expenses if you were to purchase a home? 
✅How much are you saving each month? 
✅Where are the opportunities to cut back on spending and pad your savings a little more each month? 
✅Debt and your plan to pay it down?

You are going to need all of this information before you explore your financing options. So let's make it really easy and get it all together so you are ready and can just press send.


ONCE YOU HAVE A FIRM UNDERSTANDING OF YOUR FINANCES

A. You will know how much you can afford to comfortably spend on a house

B. Craft a plan to with a date

THIS IS ANOTHER BIG WORRY

“My credit isn’t perfect. How am I ever going to get a loan?”

If you have less-than-perfect credit, a major fear you might be dealing with is how you’re going to get a mortgage.

Many first time home-buyers fear that their credit report might hold them back from securing a loan. But while getting a mortgage with not-so-hot credit can be a challenge, it’s certainly not impossible.

We will get you a free copy of your credit report. According to an FTC report, 1 in 5 Americans have a mistake on their credit report — and those mistakes can end up costing you in the long run. The lower your credit score, the higher your interest rates will be, so it’s important to make sure there’s nothing inaccurate on your report that’s dragging down your score.

Once you’ve reviewed your credit report, we will get you on track  to do everything you can to bring up your score if you need to. We will do this before you apply for a loan, like pay down any high credit card balances, which will bring down your credit utilization and bump your score. You’ll also want to make sure to pay all of your bills (including your rent and utility bills) on time, which will help show lenders that you’re responsible with your debts.

If you do all of these things and still get stuck with a high-interest mortgage, it’s not the end of the world! You can always continue to work on increasing your credit score and see if it makes sense to buy now or wait. 


“I have no idea what I’m doing. How am I supposed to successfully buy a home?”

Buying a home is a complicated process. Exactly  why we have the

 Homebuyer Support Group From lenders to getting to know the market to finding the right kinds of properties to negotiating with sellers, there’s a lot to handle. And if you’ve never purchased a home, it can feel overwhelming. 

The sense of “I have no idea what I’m doing!” can be pretty terrifying.

But luckily, you will know what you’re doing when it comes to buying a home… and you will be working with someone who does.  

The homebuyer support group will turn on the lights for you.  When we are working together on your purchase transaction,  you will  understand your market.  You will be educated and have me and my team as an invaluable resource. 

You might be afraid that the fact you’ve never purchased a house before will hinder the process, but when you understand the process and work with the right real estate agent, there’s nothing to be afraid of.

Purchasing your first home can be a scary process. But now that you know the most common fears — and how to overcome them — it’s time to transform that fear into excitement, who wants to join the Homebuyer Support Group?