Real Estate for Buyers
“It’s my belief that a good realtor listens to their client’s needs and never rushes them through the home buying process.
I have years of experience in the California real estate market. My passion is finding dream homes for the residents of the Silicon Valley area, and I bring a deep knowledge of this unique market to the table.
Whether you are a first time home buyer, or you have gone through the home buying process multiple times, I’m here to be a trusted guide as we find your perfect home together.”
How to decide when you’re ready to buy
Knowing when you’re ready to purchase a home can be a daunting decision, but with this “buying a house checklist”, you can make your decision with confidence.
You’ve got great credit
With unparalleled Northern California housing market knowledge, Bluefin is the go-to source for finding the house of your dreams.
You’ve got a steady job
Mortgage lenders will look at your salary and how long you’ve been with your company, so a steady, well paying job is a must.
You’ve got a good down payment
Most experts recommend that you have 5-10% saved to put down on a home purchase.
You have healthy savings
Aside from your down payment, a good emergency fund is important when you are a homeowner. If something breaks or needs your attention, there’s no landlord to call!
You’re happy with the location
Buying a home is a big decision. While selling may be a very viable option in the future, never purchase a house if you plan on moving anytime soon, unless you can afford multiple mortgages.
How prepare to buy a home
Now that you know you’re ready to buy, a little bit of preparation is in order!
Determine your budget
Most financial advisors recommend you spend no more than 28% of your gross monthly income on housing expenses.
Get your documentation in order
A mortgage lender will need to see past pay stubs, W-2’s, and bank statements before they’ll approve your loan.
Choose a mortgage lender
Meet with a few different types of lenders, ask plenty of questions, and don’t be afraid to weigh your options.
Choosing the right broker
Buying a home is a complex process, and likely the largest financial decision you’ll ever make.
While some people try and save a dime by navigating real estate on their own, the majority of Americans still seek the guidance of a real estate agent – and for good reason.
With their depth of experience and knowledge, a good real estate agent is going to be able to help walk you through the selling process and the negotiations.
Having this industry expert on your side will likely save you more money in the long run, because you’ll be sure to get the best deal and avoid costly mistakes.
Here’s how to find the broker that’s right for you:
Do Your Own Market Research
While you can trust a good realtor to make decisions in your best interest, it’s never a good idea to go in blind. Do some research on current market conditions in your area so you have some foundational knowledge before interviewing agencies.
Compare Ratings And Reviews
See what the online world is saying about the agency you’re interested in, and read plenty of testimonials. You can also ask friends and family members for references.
Be completely transparent and make sure your realtor is clear on your goals, and that your mission is aligned, before you work together.
What to expect from the home buying process
Now that you and your real estate agent are on the same page, you can start shopping!
But what happens when you find “the one?”
Make an offer
A good agent will help you craft an offer that makes sense so that you remain competitive without overpaying.
Let the negotiations begin
With your goals in mind, your realtor will be able to walk you through counter offers and negotiation strategies when the need arises.
With their extensive background, your real estate agent will be able to evaluate the home inspection findings with you and will make sure you have total clarity on your home’s condition before the purchase.
Once everything is in order, your broker will walk your through all of the necessary paperwork and help you make sure you arrive at closing day without a hitch.
A Real Estate agent you can trust
Founded in 2010 by one of Silicon Valley’s most knowledgeable realtors, Bluefin Realty has been helping fulfill their clients real estate goals for nearly a decade.
Whether you’re looking to buy or sell, Marc Gallardo will walk you through the process with complete transparency, patience, and a perseverance that only stops once the deal is closed and you’re completely satisfied.
Find your dream home!
At Bluefin Realty, we have made it our mission to help our clients find their perfect house - and we never push or rush the process!
What's your home worth?
Our experienced broker, Marc Gallardo will help you determine the value of your home, and won’t rest until you receive top dollar for your sale.
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