2945 Townsgate Road, 3rd Floor

Westlake Village, CA 91361

9454 Wilshire Blvd., 4th Floor

Beverly Hills, CA 90212

Teri Pacitto | The Pacitto Group

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The Pacitto Group Buyers Guide

Ventura County | Los Angeles County | CA 

Find an Agent
Connect with a licensed Compass real estate agent who is knowledgeable about the neighborhoods you're considering and can help guide your search.

Get Pre-Qualified
Before beginning your search, your first step is to get pre-approved for a mortgage loan (unless you will be paying the full price of your home in cas).
Your Compass agent can connect you to a mortgage broker will determine how much a bank will lend you, which will help you determine the price range for your search.

Visit Properties
Now is the time to consider your ideal home's location and amenities. You will attend viewings and open houses spanning a range of areas and property types. Additionally, your Compass agent will activate notifications for exclusive Coming Soon and Off-Market properties as they hit the market.

Packaging and Submitting Offers
Once you identify a home you like, you can put in an offer, which is an agreement to pay a certain
price for the home. This offer is packaged with a Proof of Funds POF and Pre-Approval Letter.
Note: if your offer is lower than the list price or with terms not acceptable to the seller, the seller will likely return with a counter-offer price or make another counter-offer. Your Compass agent will provide advice throughout.

(Life of an Escrow: 30 & 45 day escrow period)
Day 1: Once an offer is accepted, escrow is officially open and the clock begins on contingencies.

Day 2: Contact your insurance agent for homeowners coverage.

Day 3: Initial Deposit is due per terms of agreement

Day 1-17: Seller delivers disclosures to the buyer. Buyer performs inspections.

Day 1-21: Loan is in underwriting and appraisal occurs.

Day 7-30 | 21-45: Seller signs grant deed and staging is removed, if any.

End of Escrow: Within final week of escrow period, buyer signs loan and closing documents and wires in closing funds.

Day 30-45: Loan funds and escrow closes (recordation)

Home Inspections:
Review Disclosures, Reports & Repairs
It is the buyer's duty to schedule all desired home inspections and determine the overall condition of the property within the agreed timeline and contractual contingencies. Buyer will also review the disclosures and preliminary title report. You may approve or negotiate credits/repairs. Prior to closing, remember to schedule a final walk-thru of the property to verify property is still in acceptable condition and any negotiated repairs were done.

Loan, Appraisal, & Closing
Organize an appraisal with your bank. You completed mortgage application with all supporting documentation should be submitted to your chosen lender
upon receipt of the fully signed Purchase Agreement. The bank then issues loan approval. Consequently, the buyer wires the closing funds with the homeowner's insurance in place, and then the loan will be funded with clearance to close.

Welcome Home!
Congratulations! You are now a homeowner.

Key Terms

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