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Forty five minutes on what you need to qualify, what it really costs, and the steps in the order they happen. No pitch, no credit pull, and you can ask anything.
Hosted by Ryan Van Til, mortgage advisor at Pacific Trust Mortgage. NMLS #2732776, licensed across California.
Save your seat
Zoom confirms your spot on the next screen. Takes about twenty seconds.
Same running order every week, so it does not matter which Wednesday you join.
Credit, income, and down payment, with the real numbers rather than the ones people repeat at parties. Including why 20 percent down is not a requirement and never was.
Closing costs, impounds, insurance, and the cash you need on hand the day you sign. This is the part that surprises people, so we go through it line by line.
Pre-approval, offer, escrow, underwriting, funding. What each one asks of you, how long it takes, and where things usually stall.
Which assistance programs exist, who actually qualifies, and the trade-offs nobody mentions until you are already in one.
Why a strong pre-approval matters more than a slightly higher price, and what listing agents look at when they compare two similar offers.
The last stretch is open. Ask anything, including the ones you think are too basic. Those are usually the ones everyone else is wondering about too.
People buying their first home in California, at any stage. Some attendees are signing an offer next month. Others are eighteen months out and want to know what to fix first. Both get something out of it.
It is also useful if you have been told you cannot buy yet. That advice is often right, but it is frequently given without anyone checking the numbers, and the gap between where you are and where you need to be is usually smaller than people expect.
Wednesday, October 21 at 6:00 PM PT. Free, and you can leave the camera off.
Save your seat
Zoom confirms your spot on the next screen. Takes about twenty seconds.
Not ready for a workshop? Ask me directly.