back to top

About Us

Tips & News

What to Look for When Buying a House

Buying a house can be an overwhelming process. After all, it's perhaps the biggest investment of your life and you want to make sure that you will find a home you will love and at a price you can afford. The stakes are high and it's understandable if you are cautious and don't want to throw your hard-earned money at a bad investment.

So, here's what to look for when buying a house.


Buying a house can be an overwhelming process. After all, it's perhaps the biggest investment of your life and you want to make sure that you will find a home you will love and at a price you can afford. The stakes are high and it's understandable if you are cautious and don't want to throw your hard-earned money at a bad investment.

So, here's what to look for when buying a house.

Know What You Can Afford

Once you've found a house that you love, it's hard to go back. You will start imagining yourself preparing Sunday breakfasts in the kitchen, chilling on the deck, or enjoying its amazing location. But, if the house is out of your price range, then you are just hurting yourself.

That's why it's best to set a budget and only look for properties in your financial range.

Consider the Location

The location is the second most important thing to consider when shopping for a house. And, by that, we mean that you need to learn how to be a bit flexible. If you can't find a good house in the neighborhood you love, try to determine what makes that location so good and consider other options. You don't want to end up with a bad house in a good location.

If you found a neighborhood you like, spend some time exploring the area to see if it lives up to your expectations. Walk to the cafes, shops, restaurants, and parks nearby to see what they have to offer. If you have kids or plan on starting a family, then you should check the school district rating.

Think Beyond Your Immediate Needs

You may not like the color of the bathroom tile or you may think that the kitchen cupboards are from another era. Don't let these small cosmetic issues distract you. Try to imagine the house as a white canvas and see all the potential it has. And, most importantly, always think long-term. You may think that a two-bedroom downtown apartment may be perfect for you and your spouse, but if you are planning on having kids in the future, then this space is may not be enough for a family.

Check the Condition of the House

A house that needs major repairs will sell at a lower price. However, you also need to keep in mind that you don't get back 100% of your investment. If you don't want to spend money on costly repairs, then here's what to look for when buying a house:

Conclusion

No house is without sin. Even a brand new home can have some issues. In every situation, you need to assess the conditions and decide if a compromise is worth it. CSMC Mortgage can help you with all of your mortgage needs when you are ready to purchase your next home. Contact us today to get started.

“Faye helped me purchase my first home last year. She was very professional and worked very quickly to help me procure financing. She made herself available around my schedule and took the time to explain my options for financing to help me get the lowest rate possible. Would highly recommend her to anyone looking for someone that is professional, highly knowledgeable, polite, and responsive.”

- James Z.

“Laura Hertz is the best lender I've ever worked with in my 25 years as a Realtor. I never have to worry that she has things handles and she always performs in the best way possible. I also know that she is an advocate for my buyers and not only does she meet their expectations but she exceeds them! She is my lender for life!”

- Paula K.

“This review is about Mark and Darci Richardson from CSMC Mortage in Simi Valley. This team is the BEST! For the past 12 years our home was "underwater" due to the "crash" in 2007, and unable to do anything with the mortgage except pay it. These two kept on top of things and finally the house qualified to REFI. We just completed everything and it closed last week... and they saved us over $900 a month!! That's a huge savings for a couple of senior citizens! We are SO happy now and finally can breathe. Thanks to Mark and Darci and CSMC Mortgage for following through, jumping through all the hoops necessary and helping us out! I can't recommend them more... they are the BEST!!!”

- Shari S.

“ My experience is always fantastic & seamless. Mayen Grigorian is a true professional. He’s honest, he goes above and beyond, he’s efficient, always available and knowledgeable. I never have to call for updates he beats me to it and sends updates regarding the loan. Our clients are very happy and we’re very happy! Five star service, I can’t say enough good things about Mayen as a person and a professional. Hands down! He’s The Best!”

- Taline S.

“CSMC is always our go to lender. Denise Bizzy is fabulous. She really went the extra mile trouble shooting solutions to problems our client had. I do not believe another lender would have been able to pull this off. Five stars for the A+ service from Denise Bizzy and CSMC Mortgage!”

- Mark L.

“ Mario provided excellent service. Not only was he professional and helpful, but the personal support and reliability was something hard to find these days. I will not be using anyone else and have confidently referred him to friends and family.”

- Heather C.