Build a budget for the whole move
Start with the home price, your available down payment, and the monthly housing budget you want to maintain. A mortgage payment may include more than principal and interest: review taxes, insurance, any mortgage insurance, and applicable association costs. Keep cash to close and your post-closing reserves in the discussion too.
Prepare for a pre-approval conversation
Tell Greg your target California location, price range, available funds, and timeline. Ask what a lender needs to review before issuing a pre-approval and which conditions would remain. A conversation or a planner result is not a pre-approval or a commitment to lend.
- Where you want to buy and whether you have selected a property.
- Your estimated price range, down payment, and comfortable housing budget.
- Your income situation, existing obligations, and any questions about documentation.
- Your target timing and whether a sale of another home is part of the plan.
Review a loan offer in context
When you have lender offers, compare the proposed term, rate structure, fees, cash to close, and payment details. Use the Loan Estimate to check that the terms match your conversation. Tell the team when something is unclear so you understand what you would be agreeing to.
Choose your starting point
The home-page purchase planner organizes your goal, ZIP code, timing, and optional estimates in your browser. It sends nothing. Call or text for a conversation, or choose Apply Now to open Greg’s Pre App 1003 application portal. If the team requests documents, use Secure Upload in that separate portal.
Common questions
Can I start before I find a property?
Yes. Begin with your target location, budget, available down payment, and timing. Ask Greg about the lender review needed for your purchase plan and any pre-approval.
How much down payment will I need?
That depends on the loan and lender requirements. Discuss your available funds and goals rather than assuming a single percentage applies to every borrower.
Where should I send requested documents?
Use Greg’s separate Secure Upload portal when the team requests them. The public website and its planner do not collect documents or automatically transfer your answers.