First step in buying a Santa Clarita Home

    There are a lot of good first moves, but our first is to see if a person can qualify for a mortgage.

    Most people buying real estate are not going to have it given to them.

    Most first time home buyers are not going to have the funds on hand to buy real estate without needing a mortgage.

    Therefore, our best first step for most first time home buyers is the act of qualification.

    I will explain in detail this process and give insight into some of the basic definitions which pertain to real estate lenders, in the Santa Clarita Valley and elsewhere.

    If you are located outside of the Santa Clarita Valley, this article works too. – also to piggy back – if you want to hire a Top real estate agent in ___________, then just email Best Santa Clarita Connor and let me know where!

    The definitions and procedures are universal to the United State of America. Why the USA only? Because some countries don’t allow for financing real estate – in those places buying real estate is a cash only option.

    There are three basic types of real estate lenders:

    • Main Line Banks – Citi, Wells Fargo, Bank of America, Union Bank, U.S. Bank and others.
    • Credit Unions – Los Angeles Police Federal Credit Union – LAPFCU, Logix Credit Union, the Actors Credit Union, etc.
    • Mortgage Brokers – Augusta Financial and many others.

    The best first step is connecting with a real estate lender via a real estate agent. If the agent you select is worth their “salt”, they will run interference between you and the lender. It should stand that the agent refers business to the real estate lender because they do a good job. Not because they are “giving something” back to the realtor. In fact, this is illegal.

    If you come to the table with your own lender, your real estate agent should make the effort, after you introduce them, to be on top of that lender to make sure they are helping you obtain a home loan which is in your best interest.

    At the end of the day, you should be able to use whomever you want to obtain a loan. Just make sure they are good communicators, have a good system so you are not having to send the same documents more than once, and don’t cause unnecessary delays which may cost you money or worse – the home you are wanting to buy.

    I’m Connor MacIvor and Getting prequalified is the one top steps to owning real estate. There could me items on your credit report, unbeknownst to you, that need to be fixed in order to move forward with a home loan. A good lender will be able to identify these issues and point you in the right direction to getting qualified for a home loan.

    Let me know how I may apply to be your Realtor in the Santa Clarita Valley Cities. And to be totally on the level, I am sure I can serve your needs outside of the SCV Cities. The decision is yours, I just want to be interviewed 🙂


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    Paris and Connor MacIvor

    Connor and Paris MacIvor are in the Top 1% of Realtors Nationwide, starting their real estate business in 1998 with RE/MAX Gateway - Santa Clarita Valley and Valencia CA. Their becoming licensed real estate consultants and representatives came from the horrible experience they had when they bought their first home. There were many things that the agent they had hired did not explain and disclose, which per law he should have. Getting that agent on the phone after they closed escrow and after he had gotten paid was impossible. Paris and Connor called the broker, the board of realtors, the office manager and all they received was the promise of a phone call back. The remedy did come, but not as fast and in the way they wanted. That act - that bad agent was the reason why Paris and Connor became Realtors. That was all they needed to vow to never let the same fate befall anyone else, that befell them. Today Connor and Paris are focused on client service. Protection and top-shelf service with regard to their real estate clientele. They primarily work within the Santa Clarita Valley and Valencia CA. However, for a referral, where 80+ of their business is referrals they have License and Will Travel to other parts of Ventura County, Los Angeles County, and Orange County to handle real estate transactions for those who trust their real estate operation. Writing on their Real Estate Blog is a passion. is where you will find over 10,000 real estate articles. Go to to listen to their latest real estate radio broadcast.

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