Home buying may be the best decision of your life so take time to educate yourself on what you need to know ahead of time! Here are some helpful tips! Feel free to contact me for help and guidance!

1. Understanding the homebuying process makes it easier to avoid some of the more common mistakes.
Here are the most important steps:
• Check credit scores. Get free yearly reports at www.annualcreditreport.com.
• Figure out affordability. Online calculators can help determine a monthly mortgage payment.
• Shop for a home—and make an offer. Prepare to counter-offer and negotiate.
• Get a home inspection. Hire a reputable inspector. Also, make sure you attend the inspection.
• Find the right home financing. A Sierra Pacific Mortgage loan officer will help you gather
necessary documents, review the different loan programs available, and select the solution
that best fits your needs.
• Close the sale. Sign the paperwork required to complete the purchase.
We enjoy sharing valuable information. Please contact us today.
A step-by-step guide for buyers
All rates and programs subject to change without notice. Not a commitment to lend. Sierra Pacific Mortgage, Inc.
Jenny Montoya
NMLS# 1248181
Loan Officer
20 Corporate Park, Ste. 260
Irvine, CA 92606
p - 949-870-4008
C - 714-468-7549
jenny.montoya@spmc.com
LENDER
EQUALHOUSING
© 2016 Sierra Pacific Mortgage Company, Inc. NMLS ID #1788 (www.nmlsconsumeraccess.org). CA DBO/RMLA 417-0015 (04/15)