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Buying a Home

Shop with your financing already in place.

Your pre-approval, your home search and your offer, coordinated by one team. You know your real price range before you tour, and sellers see an offer backed by a lender who picks up the phone.

Why It Works

No gap between the lender and the agent.

In most purchases, the agent and the lender work for different companies and find out about problems from each other late. Here, your financing and your real estate are handled under one roof, so the appraisal, the loan conditions and the closing date are managed together from day one.

It starts with a full pre-approval, so every home you see is one you can actually buy, and every offer you write is as strong as it can be.

Craftsman homes on a quiet Pasadena street
Terry WilliamsTerry Williams
Senior Loan Advisor · NMLS #219863

Step by Step

From pre-approval to keys.

01

Get pre-approved first

Credit, income and assets verified up front, so you know your real price range before you fall in love with a house.

02

Set the search

Neighborhoods, must-haves and a monthly payment you are comfortable with, not just a maximum loan amount.

03

Tour and compare

See homes with the payment for each one already in mind, so every showing is a real option.

04

Write a strong offer

A verified pre-approval and a lender who answers the listing agent’s call make your offer stand out.

05

Inspections, appraisal, loan

Loan and escrow timelines are coordinated under one roof, so nothing falls between two companies.

06

Close and get the keys

Final numbers reviewed with you before signing, then the keys are yours.

Financing Options

Loans buyers ask about most.

First-Time Buyers

Low down payment options and a pre-approval you can actually shop with.

Learn more →

FHA Loans

A lower down payment and more flexible credit guidelines.

Learn more →

VA Loans

A benefit veterans earned: no down payment options and no monthly mortgage insurance.

Learn more →

Next Step

Let’s talk about your next move.

Buying, selling, building or refinancing. Start with a direct conversation about your goals and the numbers behind them.

Equal Housing Opportunity

Terry Williams, Mortgage Loan Originator NMLS #219863, Equity Smart Home Loans, Inc. (Company NMLS #856170), 1499 Huntington Drive, Suite 500, South Pasadena, CA 91030. Real estate services through Equity Smart Real Estate Services, CA DRE #01906808. This is not a commitment to lend. Equal Housing Opportunity.