Home Buyer Tips

Buying a home is an excellent wealth building tool and a huge accomplishment. As of September 2020 The Southern California, Residential Real Estate Market remained at the forefront of the national real estate economic recovery.

The Los Angeles housing market remains highly competitive due to the coastal areas and entertainment industry, making LA one of the most desirable cities for investors around the globe. This fact puts a typical Los Angeles homebuyer in a challenging and extremely competitive position.

To secure your dream home in the areas of Encino California and surrounding cities of the San Fernando Valley will require an understanding of the housing market, competition and the willingness to put in the work.

Many homebuyers get deterred after losing out in multiple offer situations. Keep in mind that this process is very competitive, so you will need to bring your "A game".



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How Much Home Can You Afford:

It is important to have an understanding of what you can afford and what you are willing to spend. in addition to being a great resource for shopping and comparing mortgage rates, is also a great tool for calculating down payment and annual income in order to determine how much home you can afford.


In addition your credit score, credit history and total debt are all factors in the decision making process to adequately determine the monthly mortgage payment. The real estate market moves very quickly, so once you start looking, it is important to be prepared to write in an offer at the beginning of your home search.

Get Pre-Approved:

Without a bank or lender pre-approval, your offer is incomplete and will not be considered. It has become increasingly common for listing agents to request pre-approval letters and proof of funds prior to scheduling a showing. Having a pre-approval letter makes a great first impression and it conveys to the Seller that you are a serious Buyer.

Down Payment:

According to Zillow Group Consumer Housing Trends Report 2018 52 percent of homebuyers put down less than 20 percent. The typical down payment amount is between 3 and 20 precent of the home’s sale price. This is the amount you will need in cash to quality for a conventional loan (30-year mortgage). Note: Veteran Affairs (VA loans) offer a zero-down payment option.


Many home buyers will make an offer with more than 20% down which generally puts them in a more competitive position in comparison to offers with less cash than 20% down. Making an all cash offer is another effective way to win in a competitive multiple offer situation. Buyers often look to increase their down payments through gifts from family or friends, or through selling stocks or tapping into retirement funds.

Open Houses:

Open houses are currently not allowed during COVID. Getting out to see different neighborhoods, identifying styles of homes that you like, exploring new developments and looking into great schools can all be very helpful in choosing your dream home.


Going to open houses has always been the most effective way to see many homes in a short period of time. Another way is to work with a Realtor live myself to set up showing appointments of homes that you have pre-screened online and that meet your search criteria. During these unprecedented times, it is important to follow all showing guidelines and take all reasonable precautions before viewing a home (wear a mask and gloves, social distancing, using hand sanitizer etc.). A PEAD Form Coronavirus Property Entry Advisory and Declaration). You will need to sign this form prior to viewing any property.

Work With An Experienced Realtor

It is wise to work with a knowledgeable and experienced Realtor like myself who understands the neighborhoods that you are looking in and will help guide you in the home buying process. I will help you navigate to the homes you desire in the most effective and efficient way.


Navigating escrow can be challenging. I will guide you through every step to ensure a smooth process. Real estate is collaborative, and I look forward to the opportunity of working together with you.


Purchasing a home is for most people the most expensive asset that they will acquire in their lifetimes. Choosing the right agent can be the difference between success and failure, and should be taken very seriously.

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Work With David

David has a calm demeanor and he prides himself on his communication skills and on being responsive to his clients. He also takes a proactive approach to effectively market listings in print, online and on social media.

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