What you can afford.
Start with the monthly payment you are comfortable with, not the biggest loan a lender will approve. Taxes, insurance and HOA dues belong in that number.
A pre-approval turns that number into a letter sellers take seriously.
Sample design
Free guide · Corona, Riverside, Redlands
A plain-language playbook from a local agent. Six chapters, ten minutes.
Elena Ruiz, Realtor · DRE #00000000 (sample) · Serving the Inland Empire

Start with the monthly payment you are comfortable with, not the biggest loan a lender will approve. Taxes, insurance and HOA dues belong in that number.
A pre-approval turns that number into a letter sellers take seriously.
Pre-approval, touring, an offer, inspections, appraisal, then closing. Each step has a deadline in your contract, and your agent tracks every one.
The playbook walks through each step in the order it happens.
Your down payment is only part of the cash you bring. Lender fees, escrow, title and prepaid items add up, and some can be negotiated with the seller.
Ask for a written estimate before you make an offer.
The question every first-time buyer asks next: what does my budget actually look like out here?
Chapter 04
Example ranges Ask for today's numbers. Every figure here is placeholder text the agent replaces. Photos are licensed stock, not listings.
The playbook
Answer four quick questions and Elena sends the playbook, plus notes for where you are in the process.
The playbook is on its way. Want a 15-minute plan call?
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Realtor · Harbor & Pine Realty · DRE #00000000 (sample)
Corona · Riverside · Redlands
I'll reach out within one business day.