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California Real Estate Agent

(310) 418-5274

Office

72605 Highway 111 Ste B1
Palm Desert CA 92260

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Buyer's Guide

Everything you need to know about searching for the perfect home, making an offer, and successfully closing on your new property.

A Step-by-Step First Time Buyer's Guide

Buying a home is one of the most exciting milestones of your life. To prepare yourself for this moment, you need to know what to expect during the process. This step-by-step first time buyer’s guide created by our team will help reduce the stress of buying a home and help you enjoy the journey as much as possible.

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Step 1: Research

Do you already know where you want to buy? If you want a condo, townhome, or single-family home? Which features do you like and dislike? What’s available on the market now? If you answered no to any of these questions, now is the time to start researching. In addition to looking for homes that interest you, also take note of any changes in asking prices. This could give you valuable insight into housing trends in specific neighborhoods and help you when the time comes to make an offer.

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Step 2: Decide on Your Budget

Notice we said to decide on your budget—not determine how much the mortgage company will give you. In many cases, a mortgage company will pre-approve you for more than you’re comfortable spending, which is why you need to determine the monthly payment you feel comfortable with before talking to a lender. This likely includes doing a full household budget and taking into consideration what changes other than a mortgage payment will occur once you move into your new home. If you’ve lived in an apartment or with roommates, you may overlook new expenses like garbage, water, or HOA fees that could easily blow your budget.

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Step 3: Get Prequalified

Just because you think you can afford a certain payment every month doesn’t mean the mortgage company will agree. Just as they may approve you for too large of an amount, they may also approve you for a lesser amount or deny you a mortgage altogether. Lack of time at a job, insufficient credit, past bankruptcies, or other financial issues can cause major problems when trying to secure a mortgage. Before you get your heart set on a home, talk to a mortgage professional to find out what amount you can qualify for. This will also be an advantage when you make an offer on a home, as some sellers won’t entertain offers from those who aren’t already prequalified for a loan.

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Step 4: Choose Real Estate Experts

Can you shop for, look at, and ultimately make an offer on a home without real estate experts? Technically yes, but why would you when it costs you nothing for agents like us to take much of the stress off your shoulders? Not only will we help identify properties you might be interested in, arrange showings, and ultimately handle the offer process, but we also have knowledge of the market that you don’t possess. Finding the perfect home can be a daunting task, this is where our expertise and wealth of knowledge come into play. Let us show you around some homes that meet your dream home criteria so you can find the one that's right for you.

Passion & Expertise

Our goal is to provide you with the most personalized service possible, meticulously designed to help you navigate the process of buying your dream home. We are dedicated to understanding your unique needs and preferences, ensuring that every step of the journey is tailored to achieve your ultimate home-buying aspirations.

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Step 5: Find the Right Home

This should be the most enjoyable step of the entire process (other than moving in!). We will arrange showings of homes you’re interested in that are within your price range. Take notes about what you like and don’t like, and make sure to pay attention to details. Turn light switches on and off, open and close doors, and run the faucets in various rooms. Don’t limit your inspection to the home itself. Make sure to take time to explore the neighborhood and keep an eye on traffic at certain times of the day, the parking situation, and how close it is to necessities like schools and grocery stores.

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Step 6: Make an Offer

Once you have selected the perfect home, work with your agent to craft a fair offer based on the value of comparable homes on the market. Depending on what the home is listed at and whether the current environment is a buyer’s or seller’s market, your offer may be below, at, or even above the asking price. We will be able to help you negotiate if you receive a counteroffer and reach an agreement. At this point, the house will go into escrow.

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Step 7: Have the Home Inspected

In most cases, your offer will be contingent on having the home inspected to ensure there is no major structural damage or large repairs needed. We can help you arrange this, and you can schedule it within days of making an offer. If there are no major issues, the process goes to step eight. If there is, you can renegotiate your offer based on what needs to be fixed, or you can withdraw it.

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Step 8: Select Your Loan

Now is the time to go back to the mortgage lender who pre-approved or pre-qualified you and choose your mortgage. You will be presented with various options based on your unique financial situation, including fixed-rate, variable-rate, 15-year, 30-year, or special programs such as VA loans or FHA loans. Work with your mortgage lender to select the option you feel the most comfortable with.

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Step 9: Get a Home Appraisal

Your lender will have your new home appraised so they have their independent value of it. The appraisal is to ensure that all parties involved are paying a fair price for the house.

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Step 10: Finish Paperwork

No one looks forward to all the paperwork involved in buying a home, but it’s a necessary part of the process. Fortunately, everything will be arranged by your lender and title company and, when you’re finished, you’ll know you are the legal owner of your new home.

Congratulations!

After signing the final paperwork to complete the purchase, you are now the owner of a new house. It may take a few days for your loan to be funded once the paperwork has been returned to the lender, but once that check is delivered to the seller, you’ll be all set to move into the home of your dreams. 

"Only Responsive Agent in Valley. Chase came to me as a recommendation from a coworker. He immediately reached out to me and was always available to me. I already had a home I was interested in; he respected my choices and gave me honest feedback. He connected me to an outstanding financial partner who gave me no headaches. The experience was much smoother than previous purchases. While there were a few minor glitches, the experience was fantastic. I would recommend him in the future. He's the only person who looked out for me and worked with my schedule, something that rarely happens these days!"
Steven R.
"Phenomenal! Chase is the best real estate agent we ever had! He handled a 1031 exchange for us on two properties. We sold two condos in 3 days and bought a fabulous oceanfront property in Northern California. Two years later, we called him again to sell our condo in Palm Springs Proper, and we bought a house in sun city palm desert. The condo sold in 3 days, and we bought a fabulous home! He handles everything and keeps you posted. I recommend him to everyone, and I probably will call him again when we fix up this home and sell it in a few years!"
Suzan F.
"Omg! He is the best! A real estate transaction has a lot of moving parts. If you don’t have someone like Chase staying on top of everything, it could go south in so many ways. I have purchased many properties in my lifetime. Chase is a dream to work with. With Chase, you will have less worry and more time for fun, like decorating and furnishing your new home!"
Rhonda G.
"I can't say enough about Chase and what a positive experience we had with him selling our home. He puts in whatever time, energy, and knowledge it takes to get the property sold, whether it be holding broker openings, open houses, marketing brochures, or making suggestions to position the property better. Chase is your agent if you want an agent who will genuinely work for you! We can't wait to work with him again. "
Dan B.
"Highest Price ever for Ironwood Condo. Chase and his team worked with me on a gut renovation of an Ironwood Country Club condo. Guiding me throughout the process of the design and the work on the property, they sold it fully furnished for the highest price in that HOA for that size unit. The price was more than I had initially projected, and it was sold in record time. Chase is a great professional."
David C.
"Chase is highly professional while also consistently personable and warm. He is a spectacular agent who makes a potentially stressful and hectic experience smooth and exciting. He took excellent care of me from start to finish, and then beyond finish for the post-closing details and recommendations. He genuinely cares about his clients and ensures every detail of the process is managed professionally and efficiently. I cannot recommend him highly enough!"
Sarah B.
"Chase and his fellow agents have helped me buy and sell five properties in the desert ranging from a large home in Palm Springs to smaller condos in Palm Desert. Chase is always on it. If I call or text with a question he gets back to me immediately with an answer or he finds out. For this sale, he got me a great price in a short period of time. Most importantly, he made sure the sale went through easily. Lots of agents can get you a buyer in this market but then drop the ball so the sale doesn't go through. He is super detailed focused which is important. He is also a lot of fun to be around and makes my real estate business much easier!"
David C
"Chase showed us several properties before we found the one we wanted. Throughout this he was friendly and helpful, and above all, honest with his opinions."
Norbert W
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Chase E Owens

(310) 418-5274

72605 Highway 111 Ste B1 Palm Desert CA 92260

CHASE OWENS | CA DRE# 02019767

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Chase E Owens

(310) 418-5274

72605 Highway 111 Ste B1 Palm Desert CA 92260

CHASE OWENS | CA DRE# 02019767