ARE YOU THINKING OF BUYING A HOME IN LOS ALTOS,LOS ALTOS HILLS, MOUNTAIN VIEW, PALO ALTO, SUNNYVALE, CUPERTINO?
Well, what are you waiting for? Let's work together to start planning your future. I would like to help you do what I do best -- find the perfect home for you. Here are a couple of questions you might think about before we meet.
Are you ready to buy a home? Some factors to consider when preparing to buy a home are whether or not you have a steady source of income and if you have been employed on a regular basis for the last few years. Also, determine how much money you have saved for a down payment and what would be a realistic amount of money that you could spend on a mortgage each month. I can help you do this. Let's schedule a meeting. Call or text me at (650) 948-1100 or drop me an email at [email protected]
We should investigate the maximum loan amount that you would be able to afford in order to establish the price range of houses to consider. Lenders calculate your debt-to-income ratio, which is a comparison of your expenses to your gross (pre-tax) income. Monthly mortgage payments should total no more than 29% of your gross income, while the mortgage payment, combined with other long-term debts (such as car payments) should not exceed 41% of your gross income. The lender will also take into consideration your credit history and cash available for a down payment when determining your maximum loan amount.
Once we have agreed on the price range of homes to look at, next we should discuss your needs. Think about where you would like to live and how much space you would like to have. I suggest driving through neighborhoods you are considering and attend local open houses to get an idea of what you want. When deciding on possible locations, think about distance to your job, schools, family, etc. It is best to make a list of your priorities, such as location, size, and amenities. Determine the minimum requirements that the house must have for you to consider it, as well as a wish list of perks you would like it to have.
​​​​​​​Whether you use it as your primary residence or as an investment - I have helped many people accomplish their goals and dreams. I am dedicated to meeting your needs and the more information you can share with me, the better I can serve you. Please call or text me at 650-948-1100 or [email protected] to schedule an appointment so we can discuss more about your dream home.
There are helpful sections on this website to give you more information - including:
Property Search links
Information about the Homebuying Process
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Whether you are a first-time buyer or an experienced investor, David Bergman is the best person to have on your side.
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