Getting started...
You’ve crunched some numbers and decided home ownership is for you. That’s great. Before you start home shopping...let’s get you started the right way.
Get Your Funding
Partner with a Mortgage Advisor
Before you fall in love with your dream home, it’s important to know exactly what you can afford. Finding a trusted advisor before you get too deep can save you a lot of headaches in the long run.
Review your Credit Score
Credit scores are crucial to the homebuying process. It not only has a heavy impact on your mortgage terms, but your FICO score determines if you can qualify for a loan.
Build a ‘Home Buying’ Strategy with Your Realtor
Now it’s the fun part. Your realtor has your back. It’s time to list all your ‘must-haves’ and find the home that’s right for you. Not just for now, but in the future.
The benefits of owning
Owning your own home has some obvious benefits. You can paint the entire house pink if you’d like! Here are a few benefits that don’t require any pink paint and might set you up for a life of financial wellness.
Build equity
Over time, your home can develop equity, which can lead to a profit if you decide to sell or use it to pay for upgrades.
01
Buying vs Renting
Depending on your area, a mortgage payment can be the same as renting, but with the benefit that you can earn over time.
02
Tax deductions
Interest you pay down on your home is tax deductible, which can lead to a nice return when filing your tax returns.
03
Establish an empire
Again, home equity can be a powerful tool. Owning your home can help kickstart a strong real estate portfolio for some nice passive income.
04
Get My Mortgage
Don’t just take
my word for it...
Neighborhood
Calabasas
SINCE
2019
“
Throughout this entire process Kathy could not have been more professional and gave us 110% effort.”
@mikenovack7
Neighborhood
Simi Valley
SINCE
2019
“
Kathy's communication skills are excellent, she's very approachable and most importantly, her ethics are impeccable.”
@scotttesar
Neighborhood
Fontana
SINCE
2018
“
Kathy’s experience and having a good heart help me a lot in buying a house. I recommended her right away to all my families, relatives and friends.”
@juliettorrato
Neighborhood
Thousand Oaks
SINCE
2018
“
She helped my family and I with a very challenging transaction and frankly I do not think we could have done it without her.”
@davidbarritt
Neighborhood
Oak Park
SINCE
2017
“
She faced each challenge head on and fully to our satisfaction. We would use Kathy again if the opportunity presents itself.”
@rttrower
Neighborhood
Thousand Oaks
SINCE
2016
“
I highly recommend Kathy for your real estate needs, whether selling or buying. We will work with her again for our next real estate transaction.”
@jodyconn
Kathy Bernal
Realtor
Let’s land your dream home
Your dream home experience should start from the very first phone call all the way through to the day you move in. Let’s start creating it.
