First Time Home Buyer Guide

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Buying your first home can be both exciting and nerve-wracking. Purchasing a home is perhaps the biggest investment you can ever make.

Make sure you're arming yourself with the appropriate information about everything you can expect as you navigate the home buying process.

This eBook won't make any decisions for you, but it will help provide the foundational knowledge you need to feel comfortable making the best decision for you and your family.

Buying your first home in Camarillo - Ventura County is a big deal. Many people see purchasing your first home as a sign of adulthood, success and financial responsibility. Taking that plunge into home ownership shouldn't be taken lightly as it is a huge commitment.

There is A LOT of advice out there for first time home buyers in Camarillo - Ventura County, but the best advice I can give is make sure you have an experienced and dedicated real estate team and mortgage lender on your side. Before purchasing your first home give careful consideration to these factors:

  • Huge financial responsibility. Your mortgage payment isn't the only new expense you'll have to budget for. You'll need to pay for utilities, maintenance, unforeseen repairs, property taxes and homeowners insurance.

  • Tighter ties. When renting, you can pick up and move with short notice. When you own a home, the selling process can sometimes take months. Moving can be more complicated, so before purchasing a home, make sure you know you want to be living in that area for a while.

  • It's an investment. With all investments there are risks. Of course, paying a mortgage that increases your home equity is preferred to paying someone else's mortgage while renting but don't forget there are still some risks involved.

Don't let the process overwhelm you. Allow me to help make the process as simple and quick as possible. This site has all the tools and resources you will need to get started. Once you're ready to apply or have any questions don't hesitate to reach out to me!

8blocks has a business relationship with Skyline Financial Corp. (“Skyline”). 8blocks creates co-branded websites for Skyline and Krista Nowak. Skyline and Krista Nowak compensate 8blocks for this service. You are not required to use Skyline or Krista Nowak’s services as a condition to the purchase or sale of a home or other property. There are other mortgage lenders that may be able to offer you a mortgage loan. You are free to shop around to determine that you are receiving the mortgage rates and terms that fit your needs. Your choice of a mortgage lender or realtor will not affect current or future services and products provided to you by these unaffiliated entities.

Skyline Financial Corp. is not affiliated with Krista Nowak or their brokerage. Each is solely responsible for the products and services it offers.

Skyline Financial Corp. dba Skyline Home Loans, Nationwide Mortgage Licensing System (NMLS) Company ID# 12072. Arizona Mortgage Banker License #927740, Licensed by the Department of Business Oversight under the California Residential Mortgage Lending Act File No: 4130296, Georgia Residential Mortgage Licensee, Illinois Residential Mortgage Licensee, Licensed by the New Hampshire Banking Department License #19536-MB, Ohio Broker/Banker Registration #MBMB-850231-000, Oregon Mortgage Lender License ML-2797, Washington Consumer Loan Company License CL-12072. Refer to www.nmlsconsumer.org and input NMLS#12072 to see where Skyline Financial Corp. is a licensed lender.