real estate
buying a home?
are you
southern california
- Office
- Play/exercise room
- Security system
- Sprinkler system
- Workshop/Studio
- In-law suite
- Fireplace
- Pool
- Hot tub
- Sidewalk
- Wooded lot
- Patio, deck, or porch
- Laundry room
amenities:
Age: Do you prefer historic properties, or newer ones?
Style: Do you have a special preference for ranches, bungalows, or another style of construction?
Bedrooms: How many?
Bathrooms: How many? Are they updated?
Living and Dining Areas: A traditional, formal layout, or a more open, contemporary plan?
Stories: How many?
Square feet: How much space?
Ceilings: How high?
Kitchen: How big? Recently updated? Open to other living areas?
Storage: Big closets, a shed, an extra-large garage?
Parking: A garage or carport? Room for how many cars?
Extras: Attic or basement?
Features:
Before the home search begins, your real estate agent will want to know as much as possible about the features and amenities you desire. To help your agent better serve you, analyze what you want and what you need in a home’s features and amenities.
Creating Your Home Wishlist
- Health care facilities
- Parks and recreation
- Length of time you plan to live in the home (Your agent should be knowledgeable about growth trends and projections that could affect your investment.)
- Proximity to the airport
- Proximity to restaurants and retail
- Access to major highways and thoroughfares
- Access to public transportation
- Urban, suburban or rural
- Commute time
- School districts
- Desirable neighborhoods
- Urban, suburban or rural
- Commute time
- School districts
- Desirable neighborhoods - Proximity to the airport
- Proximity to restaurants and retail
- Access to major highways and thoroughfares
- Health care facilities
- Parks and recreation
- Length of time you plan to live in the home (Your agent should be knowledgeable about growth trends and projections that could affect your investment.)
- Access to public transportation
Where you buy not only affects the home’s current and future value, but it also affects your lifestyle. Your agent will be able to conduct a more targeted home search if you outline your preferences in neighborhoods and nearby amenities. Here’s a checklist of items you should consider and communicate to your chosen real estate agent.
Location, Location, Location
Deciding How Much House
You Can Afford
Your lender decides what you can borrow but you decide what you can afford.
Lenders are careful, but they make qualification decisions based on averages and formulas. They won’t understand the nuances of your lifestyle and spending patterns quite as well as you do. So, leave a little room for the unexpected – for all the new opportunities your home will give you to spend money, from furnishings, to landscaping, to repairs.
Historically, banks use a ratio called 28/36 to decide how much borrowers could borrow. An approved housing payment couldn’t be more than 28 percent of the buyer’s gross monthly income, and his or her total debt load, including car payments, student loans, and credit card payments, couldn’t be more than 36 percent. As home prices have risen, some lenders have responded by stretching these ratios to as high as 50 percent. No matter how expensive your market though, we urge you to think carefully before stretching your budget quite so much.
Deciding how much you can afford should involve some careful attention to how your financial profile will change in the upcoming years. In the long run, your own peace of mind and security will matter most.
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we cannot recommend him enough
Brian is about as kind, professional, and anxiety-reducing as realtors come. Brian was more knowledgeable than we could’ve hoped for, and his ability to make us feel like we knew what we were doing (we’re first-time homeowners) is a testament to not only his skill, but his honesty & support as well. Next time you’re looking for a home, call him. You won’t be disappointed.
-andrew & zoe
fantastic job!
Brian was our realtor in 2015 and 2020, on the purchase and sale, respectively, of our West Hollywood condominium, and we will continue working with him well into the future.
-Eric & erica
always a true professional
I just can’t thank you enough for making my home-buying experience so painless. Being a first-time homeowner can be intimidating and I’m grateful to have had you on my side during the process.
-Caryn
great to work with
Brian is great to work with. He’s quick, responsive, intelligent and dependable – and we appreciated his wit and good humor as well! He successfully navigated us through a complex 1031 property transfer with a tight time frame, and we have ended up with a property we love.
