Purchasing a home in Southern California

Here are a few tips for purchasing a home in Carlsbad, Escondido, La Jolla, Vista, Encinitas, Cardiff, Oceanside and surrounding areas in Southern California.  Start by checking your credit and understanding your credit score and what that means to the mortgage companies and banks.  Then Establish a budget that you can afford before you get pre approved or visit a loan officer.  There a plenty of mortgage calculators on bank websites.  Southern California has great school districts throughout Northern San Diego County and the surrounding areas, but it is always a good idea to do some research on the nearby school districts.  Get pre approved by your local bank or mortgage company.  A pre approval is not contract binding so remember if you are getting pre approved do not feel obligated to use that loan officer.  I suggest you shop around for the best rate while you are looking for your home.  Now that you are pre approved contact Coldwell Banker in Encinitas California and let your realtor know your budget, price range, style of home, and area yo would like to look.  The professional service that Coldwell Banker offers will make purchasing your home a wonderful experience.

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