Let Cal Mutual Help You Find Your Dream Home

Purchasing a home is a very exciting time and being well prepared will help you make better decisions. The first step toward finding the right home is to quickly compute your purchasing power and determine how much you can afford to pay each month. This saves you time by allowing you to focus on homes in your price range.
In addition, in the planning stage you should consider both the up-front and ongoing costs associated with purchasing a home.

Open House

What to Expect?

selecting a home
Define your needs, desires and goals as a buyer to determine your most important considerations in selecting a home.
new properties
Keep you ahead of the competition by constantly searching all new properties.

housing trends
Educate you market conditions and housing trends to maximize your buying potential.

home buying process
Organize the home buying process to help put you at ease and in control.

property showings
Always accompany you to property showings and represent your best interests.

financing possibilities
Explore all financing possibilities with you.

comparative market analysis
Provide you with a comparative market analysis to make an informed purchase decision.

information about properties
Disclose all known information about properties and areas that interest you.

preparing offers
Assist in preparing offers, strategize your offer to the seller and aggressively negotiate on your behalf.

closing process
Monitor the closing process step-by-step and make sure you're always informed.

Provide a list of inspectors to review the condition of the property.

Always act as your advocate in the most professional manner possible.

Always act the utmost professional and ethical manner.

Find Your New Home!

Sign Up Below To Receive Property Alerts Via Email That Match Your Criteria

The Homebuying Process


Meet With a Loan Officer

By sharing income and other financial information your Cal Mutual loan officer let you know the exact price for which you are qualified. They will review with you your goals and future aspirations with the property and present different mortgage options to help you meet those goals. The loan officer will sum all your options in concise professional approval letter.


Begin viewing homes with your realtor

When possible, all decision-makers should visit the various homes. Always be candid with your realtor - it will help them understand your particular needs and desires and enable them to select homes you'll want to see.


Prepare the offer

Your realtor will provide you with a comparative market analysis on the property or properties of your choice in order to assist you in making an informed decision. Your realtor will go through the contract step by step with you and create a strong offer to submit. Negotiations will proceed until both buyer and seller agree on all terms and sign.


Make your loan application

Give your loan officer a copy of the contract and apply for the loan.


Inspect the property

Select an inspector and arrange for both a general inspection and wood-destroying insect inspection. Your realtor also can provide information about other environmental assessments.


Appraisal of the property

The lender will make arrangements for the property appraisal. The appraisal will need to meet the offer price or the home will be either renegotiated or you walk away.


Arrange property closing

You will receive a copy of the closing statement for review prior to closing. You will do one last final walk-through inspection of the property. Your realtor will arrange a closing date and time with the lender and escrow company. At close you will bring a cashiers check for all closing costs and the balance of the down payment.



Your loan documents are sent to the lender for approval and funds are disbursed. The title company receives and funds all money from the loan company, payment of any accrued expenses in connection with the closing are due including taxes, professional real estate fees and title company fees. Legal documents will be recorded in the office of the county clerk and mailed to the buyer.