THE MORTGAGE APPROVAL PROCESS
Step 1- Pre-Qualification:
Meet with a mortgage broker.
Find out how much you can afford to pay for a home.
Step 2- Pre-Approval:
Sellers will be more receptive to buyers who have been pre-approved.
You'll also avoid being disappointed when going after homes that are out of your price range.
What are the benefits of
pre-approval?
This way, assuming the home you're interested in is at or under the amount you are pre-qualified for, the seller knows immediately that you are a serious buyer for that property.
Costs for pre-approval are generally nominal and lenders will usually permit you to pay them when you close your loan.
STEP 3: Make 2 lists.
The first should include items you must have
> the number of bedrooms you need
> floors
> size of the house
> type of house
The second list is your wishes - things you would like to have, but that are not absolutely necessary.
Examples are a pool or a den.
Realistically for first-time buyers, you probably will not get everything on your wish list, but it will keep you on track for what you are looking for.
OUR SAN RAMON REAL ESTATE AGENTS
Agent
Rama Mehra
Agent
Sunil Mehra
Agent
Kellie Langewisch
Kellie has been an agent since 2014 and serves as Asante’s buyer’s agent. Kellie goes above and beyond for her clients, with whom she builds lasting friendships, and prides herself on her open, thorough communication skills. One of Kellie’s goals is to make sure every client is heard and understood, and she meets them with patience and professionalism. The San Ramon-native has extensive knowledge of the area and local schools, which she utilizes to familiarize her buyers with the surrounding cities and find their perfect home. As a Certified First Time Buyer Specialist, Kellie understands the challenges that first-time buyers often face: She strategizes home searches, educates her clients, formulates strong offers, and guides them through a smooth escrow.
Kellie is committed to constant professional and personal growth — she’s always asking questions, seeking to better herself, and aiming to make a positive influence in the community that she calls home. Though she works hard, Kellie does manage to take time for herself to travel, enjoy Oakland’s vibrant art and music scene, and spend time with her dogs.
Agent
Sumana Bolar
Agent
Abra Stein
Agent
Nadia Kury
Agent
Shiv Mehra
As a San Ramon native, I witnessed its great transformation – from the green desolate hills of Windemere into a sprawling residential city that retains its scenic feel.
My intimate knowledge of this region, and my experiences of having lived here most of my life, give me enthusiasm and a desire to make my home, your home. Truly, I love Northern California and I love my job!
Agent
Anuprita Khurana
As a real estate professional since 2019, I recognize and value the trust my clients place in me. My goal is to exceed their expectations with excellent customer service and provide the best possible experience. I am committed to work hard and always keep my clients well informed and guided through the whole process. My professional life is guided by the same basic principles and values that I practice in my personal life - commitment to highest standards, integrity, compassion and reliability. Whether you are a first time home buyer or a seasoned one, a home seller or an investor, I strive to provide stress-free experience to all of my clients.
Showing Agent
Daniel Tracy
Daniel has the deep appreciation of people that you would expect from someone with a true interest in providing families an enjoyable experience while finding a new place to live. Along with that comes a tireless work ethic learned from his family. “Since I was a child, I’ve helped my family relocate and find the perfect place to call home”, he says. “This has provided me with a passionate background for the process of seeking the perfect property.”
Daniel’s main motivation is the happiness and confidence that he brings to his clients. “Seeing the joy and excitement that follow when a family finds a home is truly amazing”, he says. Born in Southern California but raised in the East Bay, he now serves buyers, sellers, and investors in San Ramon and the Tri-Valley and East Bay markets, earning their trust and confidence with honesty, diligence, loyalty, and passion.
When he’s not working, Daniel loves music, movies, reading, and even plays in a band professionally with fellow Asante Realtor Shiv Mehra. In 2022, he married his wife Stevie Garcia Tracy, and they live happily in San Francisco. All in all, Daniel is committed to finding the perfect home for you and your family.