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    • About
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    • Buyer Home Buying Guides
    • Sellers
    • Testimonials
    • Design
    • Property Managment
    • Homes for Rent
    • Blog
    • Contact
West Cal Financial
  • Home
  • About
  • Financing
  • Buyers
  • Buyer Home Buying Guides
  • Sellers
  • Testimonials
  • Design
  • Property Managment
  • Homes for Rent
  • Blog
  • Contact

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Click Here For Instant Access - Home Buyer’s Guide to Getting Mortgage Ready

What is your Why?

 Knowing your why is the most important driver informing the home buying process. 


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Monthly Payment Amount

Determine your budget - What do you want to spend monthly, and how much do you have for a down payment?

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Pre-Qaulification

 Before you start house hunting, it’s essential to get pre-qualified for a mortgage. This helps you understand how much you can afford and streamlines the homebuying process. 

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Closing Costs & More

 Closing costs are the fees you will pay in addition to your down payment when purchasing a home. These costs cover essential services and administrative expenses required to finalize your home purchase. 

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Finding a Lender

There are several types of lenders to consider. Each offers different advantages based on your needs.

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Getting Pre-Approved

Pre-approval is a crucial step in the home-buying process. It provides a clear understanding of what you can afford, strengthens your offer, and speeds up the closing process.

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Comparing Loan Options

Not all loans are created equal. Understanding the different loan types, costs, and interest rates will help you choose the best financing option for your needs.  

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Shopping for a Home & Writing Offers

Learn the Do's and Don'ts of home shopping and what decisions need to be made when writing an offer. 

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Offer Acceptance

After your offer is accepted there is a lot of upfront work to do.  Learn more about the next steps. 

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Loan Application

Your mortgage broker will guide you through the loan

application process and help you determine which

documents apply to your situation.

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The Underwriting Process

When you submit your loan application, you will submit several supporting documents with it.  The lender's formal review of these documents is called the underwriting process.  

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The Appraisal Process

 Your purchase agreement will indicate the appraisal process; if you have an appraisal contingency, you will have decided that your offer is contingent on the home appraising for the offered purchase price or a price agreed upon by all parties.  

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The Closing Process

Once all your lender's outstanding conditions have been approved, you will be cleared for closing, often referred to as CTC, Cleared to Close. 

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Your Move & First Loan Payment

 There are many things to consider when making a move, like setting up utilities and updating your address with all necessary parties, having your mail forwarded to your new address, home repairs, maintenance, insurance and most importantly, knowing when your first payment is due and how to make the payment . 

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Home Buyer Guides - Step-By-Step

Step 1 - What Is Your Why (pdf)Download
Step 2 - Monthly Payment (pdf)Download
Step 3 - Pre-Qualification (pdf)Download
Step 4 - Closing Costs (pdf)Download
Step 5 - Finding a Lender (pdf)Download
Step 6 - Pre-Approval (pdf)Download
Step 7 - Comparing Loan Options (pdf)Download
Step 8 - Shopping for Home (pdf)Download
Step 9 - Offer Acceptance &Loan Application (pdf)Download
Step 10 - Loan Application (pdf)Download
Step 11 - The Underwriting Process (pdf)Download
Step 12 - Appraisal (pdf)Download
Step 13 - Closing (pdf)Download
Step 14 - Move In - First Payment (pdf)Download

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West Cal Financial

1775 Indian Valley Dr. Novato Ca. 94947

Brandon McGrath - REALTOR ® Real Estate & Mortgage Broker/Owner Phone 415.250.7241 DRE Lic# 01867243 Comp. NMLS #368447 Ind. NMLS #334707 Brandon@WestCalFinancial.com

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