Mistake #1: Shopping for houses before getting pre-approved.
You fall in love with a place. You make an offer. Then you find out you can't qualify, or your budget is $100K less than you thought. Get pre-approved first. It takes one day.
Mistake #2: Waiting for rates to hit 5%.
Every buyer who waited in 2024 watched prices climb while they sat on the sidelines. You can refinance a rate. You can't refinance a purchase price.
Mistake #3: Going straight to your bank.
Your bank gives you one option. A broker shops 50+ lenders for the best rate and lowest fees. Same loan, better deal.
The California market rewards prepared buyers. Know your numbers, get pre-approved, and move when the right home shows up.
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