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

Jose Ortiz

They were professional in every aspect of their duties, along with a friendly relationship.

Fernando

(Translated by Google) I would highly recommend Alex and Anabel Ortega as real estate agents. My experience was one of the best I've ever had. They were always very punctual and professional, proving to be not only excellent people but also deeply involved in your real needs, giving you a sense of trust and security. Even more so since this is a house with a significant monetary value, and in my case, an estimated value as well. In the end, I felt very satisfied having met and worked with them. I'm sure that if necessary in the future, I would seek them out again. (Original) Quiero recomendar ampliamente a Alex y Anabel Ortega como. agentes de Bienes Raíces. Mi experiencia fue de lo mejor que he tenido. Siempre muy puntuales y profesionales demostrando ser no solamente finísimas personas ya que ellos mismos se involucran con la necesidad real que uno tiene sintiéndose de esa manera en confianza y seguridad. Aún más que se trata de una casa que tiene mucho valor monetario y en mi caso también estimativamente. Al final de todo me sentí muy satisfecho de haberlos conocido y tratado. Estoy seguro que de ser necesario en un futuro los volvería a buscar.

Christian Zimmermann

Zulu

Let’s start planning your path to homeownership