Tiffany Pesonen - RE/MAX Regal | San Ardo, CA Real Estate


Filling out a mortgage application may prove to be a long, arduous process, particularly for those who are buying a house for the first time. Lucky for you, we're here to help you dot the I's and cross the T's on your mortgage application to ensure you can quickly and effortlessly acquire your dream house.

Now, let's take a look at three tips to help you prepare your mortgage application.

1. Be Diligent

A mortgage application may appear daunting at first. The application may include several pages of questions, and you may have only a limited amount of time to finalize your submission.

When it comes to completing a mortgage application, it generally pays to be diligent. If you answer each mortgage application question to the best of your ability, you likely will have no trouble moving forward with your home purchase.

2. Avoid Guessing

If you're uncertain about how to respond to certain mortgage application questions, there is no need to guess. Instead, search for the information that you need to provide a comprehensive response. This will help reduce the risk of encountering potential problems down the line that otherwise could slow down your home acquisition.

Remember, guessing on a mortgage application probably won't do you or your lender any favors. But if you allocate the necessary time and resources to understand mortgage application questions and provide thoughtful responses, you can minimize the risk of application errors.

3. Ask Questions

Completing a mortgage application sometimes can be tricky. Fortunately, a lender employs mortgage specialists who are happy to respond to your application concerns or questions at any time.

If you're unsure about information that is requested on a mortgage application, don't hesitate to reach out to a lender's mortgage specialists for help. These specialists possess extensive mortgage expertise and can help you complete a mortgage application.

Furthermore, mortgage specialists can offer insights into a wide array of mortgage options. These specialists can explain the differences between fixed- and adjustable-rate mortgages and enable you to select the right mortgage option based on your financial situation.

As you prepare to buy a house, you may want to consult with a real estate agent as well. In fact, with a real estate agent at your side, you can seamlessly navigate the homebuying process.

A real estate agent understands exactly what it takes to acquire a house, regardless of the finances at your disposal. This housing market professional can set up home showings, help you submit offers on houses and ensure you can purchase a residence that matches or exceeds your expectations. And if you need help getting a mortgage, a real estate agent may even be able to connect you with the top lenders in your city or town.

Ready to move forward in the homebuying journey? Use the aforementioned tips, and you can finalize a mortgage application and secure the financing that you need to acquire your ideal residence.


In the internet age, we’ve all seen dream homes on Google, Pinterest, or Instagram that seem to encompass everything we’ve ever wanted in a home.

Sometimes, obsessing over dream homes can be detrimental to us--making us feel bad about our own living situation or discouraged about ever being able to afford the home we truly want.

However, dream homes can serve a purpose when it comes to identifying what we really want out of a home.

In today’s post, we’re going to use the idea of a dream home “wish list” to help you narrow down what really matters to you and your family in your next home.

Step 1: Start by making a list of your dream homes

This is the easy part. If you’re like me, you probably have a Pinterest board or bookmark folder just for home inspiration.

Put all of the dream homes on your list. The order doesn’t matter, and you’ll find out why below.

Step 2: For each home, write down one or two of your favorite things

Is it the square footage? The location that’s perfect for your commute or for trips to your favorite places? Or, is it just the color scheme of the kitchen?

No aspect is too small for this list--it all depends on what you like, not what the price tag is.

Step 3: Go over your list and try to put the items in order of how much they matter to you.

An example would be:

  1. A cheerful, bright colored kitchen

  2. A cozy office to wok quietly in

  3. A two-car garage

  4. A playroom for the kids

  5. A location that’s close to the water

Looking over these five things, there are only two items that can’t be found in most houses, a two-car garage and a location that’s near the water. And, this house-hunter didn’t even list those items as the most important.

So, what can we learn from this exercise? Oftentimes, the things we’re looking for the most in a home can be things that we can do later, like interior decorating or designating spare rooms to serve as an office or playroom.

Step 4: Use your top 3 when house hunting

Now that you have the top three things that you’d find in your dream home, take this list with you on your house hunt. Try to seek out a home that has a combination of these items and one that will be the most practical for your family.

You might find that these conveniences, such as being closer to your work for a shorter commute, will pay off in the long run, as they’ll let you spend more time with our family and make each day a little bit easier.


Golfers rejoice! California offers a broad range of top-notch golf courses, many of which are located just minutes from luxury residences.

In fact, luxury homebuyers should have no trouble finding first-rate houses available near some of the top Golden State golf courses, such as:

1. Cypress Point

Opened in 1928, Cypress Point offers a timeless golf course, one that you won't soon forget.

Cypress Point is a private golf course that frequently ranks among the world's best. It blends unmatched natural beauty with 18 challenging holes, ensuring golfers of all skill and experience levels can enjoy a fun, exciting experience.

Plus, Cypress Point is located in Pebble Beach on the awe-inspiring Monterey Peninsula. And if you buy a luxury house in the Monterey area, you're guaranteed to live close to one of California's top golf courses.

2. Pebble Beach

Considered by many golfers to be the greatest golf course in America, Pebble Beach is a legendary golf course that boasts a look and feel all its own.

Pebble Beach was established in 1919 and hugs the rugged California coastline. As such, Pebble Beach boasts open vistas, cliff-side fairways, sloping greens and other captivating landmarks that make the course a golfer's dream come true.

Furthermore, Pebble Beach brings golf history to life. It has hosted a wide assortment of professional golf tournaments and continues to be a top choice for both professional and amateur golfers.

Let's not forget about the luxury homes located near Pebble Beach, either. If you take a look at the luxury residences close to Pebble Beach, you're sure to find many great houses that will match or surpass your expectations.

3. Los Angeles Country Club

Since 1897, Los Angeles Country Club has served as a premier choice for Los Angeles golfers young and old, and perhaps it is easy to understand why.

Los Angeles Country Club is home to the charming North Course, which features a one-of-a-kind design that any golfer is sure to appreciate.

Of course, no discussion of Los Angeles Country Club would be complete without mentioning the Hollywood elite who use the North Course. The country club boasts many notable members who often tee off at North Course.

As a Los Angeles luxury homeowner, you can make a quick trip to Los Angeles Country Club at your convenience. By doing so, you can enjoy a round of golf and might even meet some of your favorite celebrities as well.

Buying a luxury home near any of the aforementioned Golden State golf courses may be easier than you think, especially if you work with a real estate agent.

With a real estate agent at your side, you can learn about various California luxury houses as soon as they become available. Then, you can explore luxury residences near some of California's top golf courses and find a house that you can enjoy for years to come.

Kick off your California luxury homebuying journey today, and you can discover a superior residence near one of the Golden State's top golf courses.


If you've been pre-approved for a mortgage, you can enter the housing market with a budget in hand. In fact, this mortgage will enable you to spend up to a certain amount on a house. But in many instances, it pays to buy less house than what you can actually afford.

Ultimately, there are many reasons to consider purchasing a house below your means, such as:

1. You might not have to worry about significant home maintenance.

A small house likely means less home maintenance than would be required in a large house. Therefore, you may be able to spend less time worrying about keeping your residence looking great if you acquire less home that what you can afford.

Of course, let's not forget about the money that you might save by purchasing an affordable residence. If you buy an inexpensive home, you may be able to use the money that you save to hire professional home cleaners, landscapers and others to help you enhance your residence's appearance.

2. You'll be better prepared than ever before for unexpected expenses.

There is no telling when a family emergency, natural disaster or other dangerous situations may arise. Fortunately, if you spend less on a house now, you may be better equipped than ever before to handle the expenses commonly associated with these unforeseen events.

Purchasing a cheap house may prove to be valuable if you encounter costly, time-intensive home repairs down the line too.

For example, your home's roof won't last forever, and you likely will need to fix or replace it at some point. But if you purchase a budget-friendly home, you may be able to save extra money that you can use to cover the costs associated with various home repairs.

3. You'll have more money that you can use to personalize your house.

The money that you save on a house today may be used to upgrade your home both now and in the future.

For instance, if you want to install a deluxe swimming pool or fire pit in your backyard, spending less on a house now may provide you with the financial resources that you need to fund these projects. And if you complete a broad range of home renovations, you may be able to increase your house's value as well.

Deciding how much to spend on a house can be a tough decision for any homebuyer, at any time. If you collaborate with a real estate agent, you can explore a vast array of residences that fall within your price range.

A real estate agent will learn about your homebuying goals and tailor your home search accordingly. He or she also will set up home showings, keep you informed about new residences that become available and ensure that you can discover a home that matches or exceeds your expectations.

Consider your budget closely as you prepare to kick off a home search. By doing so, you should have no trouble finding a terrific house at an affordable price.


Let's face it – no one wants to deal with a long, arduous homebuying process. Fortunately, we're here to help you simplify the process of acquiring your dream residence.

Now, let's take a look at three tips to ensure you can enjoy a hassle-free home shopping experience.

1. Consider What You Want from Your Dream House

What separates an ordinary house from a dream residence? The answer to this question varies depending on the homebuyer, and how you answer the question may dictate your homebuying success.

If you enter the housing market with a list of home must-haves, you'll be better equipped than other property buyers to streamline the homebuying process. Thus, you should think about your home must-haves and wants closely.

Differentiate home must-haves from wants – you'll be glad you did. For example, if you have kids, you may need to find a house that's located near top schools. On the other hand, you may want to own a home with a swimming pool. But if you find a top-notch house that offers plenty of great features but lacks a swimming pool, you might not shy away from submitting an offer on this residence.

2. Get Pre-Approved for a Mortgage

If you enter the real estate market with a mortgage in hand, you should have no trouble finding a house that won't force you to break your budget.

To get pre-approved for a mortgage, you'll want to meet with local banks and credit unions. These lenders can outline the mortgage approval process and provide you with a variety of mortgage options.

Furthermore, if you have mortgage questions, banks and credit unions are available to provide expert responses. These lenders employ friendly, knowledgeable mortgage professionals who can help you make an informed mortgage decision.

3. Work with a Real Estate Agent

When it comes to buying a house, it pays to receive comprehensive assistance. Thankfully, real estate agents are available in cities and towns nationwide, and these housing market professionals can help you acquire your dream house in no time at all.

A real estate agent understands the challenges commonly associated with buying a home. However, this housing market professional also knows exactly what it takes to overcome myriad homebuying challenges.

For instance, a real estate agent will negotiate with a seller's agent throughout the homebuying cycle. By doing so, a real estate agent can help a buyer get the best price on a residence without the hassle of a stressful negotiation.

Let's not forget about the extensive homebuying expertise that a real estate agent possesses, either. A real estate agent understands all stages of the homebuying process and is happy to share his or her insights with a property buyer. Therefore, if you ever have homebuying questions, a real estate agent is ready to respond to them.

There is no need to deal with an anxiety-ridden homebuying process. Take advantage of the aforementioned homebuying tips, and you can keep things simple as you go from homebuyer to homeowner.




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