5-Step Homebuying Process


➤ Get pre-approved by a trusted lender

 

➤ Schedule your free consultation with our team

 

➤ Find the right home for your needs and budget

 

➤ Make a strong offer and negotiate with expert guidance

 

➤ Close the deal and receive your keys

READY TO TAKE THE NEXT STEP?

WE ARE THE ORTEGA TEAM

The Real Estate Experts in San Diego

Wheter you're just getting started or ready to take the next step, you are in the right place to learn, plan and move forward with confidence.

 

We're honored to be part of your journey toward HOMEOWNETSHIP and we are here to make it SOMPLE, CLEAR and PERSONAL.

 

Let's go start it!

Frequently Asked Questions

💰 How much money do I need to buy a home?

Most programs allow 3% to 5% down. Some offer help with closing costs too.

📉 Do I need perfect credit to qualify?

Many buyers qualify with mid-600s credit scores. We'll help you explore your options.

📊 How do I know what I can afford?

A free pre-approval from a lender will show your price range and monthly payment.

⏱️ How long does the homebuying process take?

Typically 30–45 days after your offer is accepted. We’ll guide you step-by-step.

🏦 Are there programs for first-time buyers?

Yes! We help you apply for down payment assistance and special rates.

🧭 Should I talk to a real estate agent before I’m ready to buy?

Definitely. Early guidance helps you avoid costly mistakes and plan smart.

💼 What if I’m self-employed or have irregular income?

We work with lenders who specialize in non-traditional income situations.

🏡 Will this house be “the one”?

If it meets 85% of your needs, it's likely the right one. We help you weigh your priorities.

🔍 Have we already seen all the houses for sale?

We filter hundreds of listings to show you what truly fits. Act fast when the right one appears.

💸 Am I offering the right price or overpaying?

The lender will order an appraisal. If it’s overpriced, we renegotiate or back out safely.

🧾 Will I really be able to afford this?

Yes, with planning. No more rent increases, plus tax benefits and equity growth.

Every buyer’s situation is unique, let’s explore yours

Real Buyers Experience - What Our Clients Say

debbie

Thank You Alex and Anabel The Ortega Team Real Estate 🏡 For the Commitment you gave us and continue to give us . The patience with all our questions and responding in a way that kept us at ease and knowing that we can confide and trust in your team ..

bbce13love

Alex did an outstanding job helping us find our new home very patient communicative ,always on time and always checking in on us. Very professional, and caring . Definitely assured us that whatever we needed he was there . We are very happy and Blessed

Iracema Plascencia

(Translated by Google) My husband and I had a wonderful experience with Alex Ortega and his team throughout the search, loan process, and purchase of our home. We highly recommend them, as they guide you step-by-step, answering all the questions that arise, especially when buying a home for the first time and particularly when Spanish is your first language. So don't hesitate to contact Premier Agency when you feel it's time to become homeowners. Our sincere thanks to Alex and the Ortega team for their patience and support. (Original) Tuvimos mi esposo y yo una muy buena experiencia con Alex Ortega y su equipo en la búsqueda, proceso del préstamo y la compra de nuestra casa. Se los recomendamos ampliamente ya que te llevan paso a paso resolviendo las dudas que surgen especialmente cuando se compra casa por primera vez y sobretodo cuando nuestro primer idioma es el español. Así que no duden en contactar a Premier agency cuando sientan que es el momento de ser dueños de casa. Nuestro agradecimiento a Alex y Ortega team por su paciencia y ayuda.

Let’s start planning your path to homeownership