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Buying Your Home

 House Ad & Keys

Thinking about buying a home?

We have information

that can help!

Homes for sale

(including HUD homes)

Phone, text or email any time.



Email: Deals@RealtyBites.com


1. Figure out how much you can afford
What you can afford depends on your income, credit rating, current monthly expenses, downpayment and the interest rate.

How much home can you afford?
Buying vs. Renting
Home Economics
Homebuying programs in your state

2. Know your rights

Fair Housing: Equal Opportunity for All- brochure
Real Estate Settlement Procedures Act (RESPA)
Borrower’s rights
Predatory lending

3. Shop for a loan

Looking for the best mortgage: shop, compare, negotiate- brochure
Let FHA help you
Learn about interest only loans
Avoid Predatory Lenders
Pre-Qualify for Mortgage

4. Learn about homebuying programs

Homebuying programs in your state


Let FHA help you (FHA loan programs offer lower downpayments and are a good option for first-time homebuyers!)
HUD’s special homebuying programs

Good Neighbor Next Door(formerly known as Teacher/Officer/Firefighter Next Door)
Hurricane Evacuees discounted sales
Homeownership for public housing residents
Indian Home Loan Guarantee Program(Section 184)


5. Shop for a home

Choose a real estate agent
Wish list- what features do you want?
Home-shopping checklist? take this list with you when comparing homes
Homes for sale(including HUD homes)
Fixer-Uppers – home purchase and repair programs
Manufactured (mobile) homes
Build a home

6. Make an offer

Making an offer

7. Get a home inspection

For Your Protection Get a Home Inspection
10 Questions to ask a home inspector

8. Shop for homeowners insurance

Homeowners insurance
12 ways to lower your homeowners insurance costs

9. Sign papers
You’re finally ready to go to “settlement” or “closing.” Be sure to read everything before you sign!

Settlement Costs and Helpful Information



As a dedicated real estate agent, I am qualified to guide you in buying or selling a home. I believe in using my skills in finance, contracts, negotiation and marketing to your best advantage.

Buying or selling a home is one of the most important transactions in the lives of many people. Because of that, it is important that you work with someone you trust and feel is a market expert with integrity. People trust me with their most-valuable asset. It’s a responsibility I take very seriously. I know that your success is my success.

I offer local expertise in a home market tailored to meet your needs. As a local professional, I know the neighborhoods, schools, market conditions, zoning regulations and local economy. I will do the leg work, keeping you up-to-date with new listings and conditions as they impact the market. I will make the process as pleasurable and stress-free an experience for you as I can.

I don’t measure my success through awards received or achievements, but through the satisfaction of my clients. Whether you are looking to buy or sell your home, I will provide sound and trustworthy advice to help you achieve your real estate goals.

Let me guide you through the complexities of buying or selling your home, eliminating hassles and stress. I look forward to working with you.


  • English
  • Chinese- Mandarin
  • German
  • Spanish

  • Custom Home
  • Dream Home
  • First Time Buyers
  • Investment
  • Luxury Home
  • Move-Up Home
  • New Construction
  • New Home
  • Quality Home
  • Relocation
  • Residential
  • Retirement

See Who Recommends Us:

             bella E. samel at LinkedIn

             Rwomei Chang at LinkedIn

External Links
Realty Bites
Harbor Realty
Professional Affiliations

  • National Association of Realtors
  • California Association of Realtors
  • Newport Beach Association of Realtors


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Home Buying Your Home