Home Buying
Buying a home is one of life's biggest decisions. Yvonne brings 20+ years of experience to ensure you find the right home at the right price.
What to Expect
- Personalized home search based on your needs and budget
- Market analysis and pricing guidance for every property
- Skilled negotiation on your behalf
- Full support through escrow, inspection, and closing
- First-time buyer education and guidance
- Pre-approval referrals to trusted lenders
Frequently Asked Questions
How much does it cost to hire a buyer's agent in San Diego?▾
Buyer representation typically comes at no direct cost to the buyer. The seller usually pays the commission for both the listing and buyer's agent. Yvonne will explain the full compensation structure during your initial consultation so there are no surprises.
How long does it take to buy a home in San Diego?▾
The timeline varies, but most buyers find a home within 2-4 months of starting their search. Once an offer is accepted, closing typically takes 30-45 days. Pre-approval before you start searching can speed up the process significantly.
What credit score do I need to buy a home?▾
Most conventional loans require a minimum credit score of 620, while FHA loans may accept scores as low as 580 with a 3.5% down payment. Yvonne works with trusted lenders who can evaluate your specific situation and help you understand your options.
Do I need a large down payment to buy in San Diego?▾
Not necessarily. While 20% down avoids private mortgage insurance (PMI), many loan programs allow as little as 3-3.5% down. FHA, VA, and USDA loans offer low or zero down payment options. Yvonne can connect you with lenders who specialize in these programs.