For Buyers
Buying a home is an exciting time in one's life. Making the smart move of choosing a REALTOR® is your first step to ensuring that your new home and community meets your needs. My services and experience range from financial aid to helping you find the home that best suits you and your family. For your convenience, I also provide listings by email. I pride myself on repeat business and hope you'll come to understand why.
Pacifica Properties & Mortgage offers 1-STOP REAL ESTATE SERVICES TO SAVE YOU $5,000. AND MORE!
We have a special saving if you purchse a home with us: As a buyer...receive a credit of 1% of the sales price toward closing costs.
With over 17 years of real estate sales and experience in San Diego County, Rico Alexander will be happy to assist you with ALL your residential real estate and mortgage needs. To find out more about our services and special savings, call or email Rico today!
*Save a minimun of $5,000. on a $500,000. transaction or more! (Savings are based on 1% of the purchase price.)
How I Can Help
Before you start looking
Closing Costs
- Assure that you see all the properties in the area that meet your criteria.
- Guide you through the entire home buying process, from finding homes to look at, to getting the best financing.
- Make sure you don't pay too much for your new home and help you avoid costly mistakes.
- Answer all of your questions about the local market area, including schools, neighborhoods, the local economy, and more.
Before You Start Looking For Your New Home:
- Check your credit rating. Straighten out any errors before its too late.
- Determine a comfortable monthly budget for your new purchase, including down payment and monthly payment.
- Find a loan program that meets your needs and get pre-qualified (preferably pre-approved).
- Choose a REALTOR® that you trust and who understands your needs.
- Determine what neighborhood best matches your needs.
- Identify important features you need your new home to have.
- Lender fees include charges for loan processing, underwriting, preparation and establishing an escrow account.
- Third-party fees include charges for insurance, title search, and other inspections such as termites.
- Government fees include deed recording and state & local mortgage taxes.
- Escrow and interest fees include homeowner's insurance, loan interest, real estate taxes, and occasionally private mortgage insurance.
* New! 1st Time Buyer Program
With a special arrangement with The California Housing Financing Agency, Pacifica Mortgage is offering the most competitive 1st Time Buyer program available anywhere. The program features:
*100% financing at below market interest rates
*35 year term, and interest only payments for the 1st five years. The interest rate does not change for the entire 35 year term.
*Also available 30 & 40 year terms.
*With The CalHFA's Downpayment Assistance Program recieve $15,000. downpayment credit in the form of slient 2nd TD, which will reduce the loan amount.
*You may also qualify for additional credits toward closing costs.
*Extra Teacher Program gives additional financial assistance to teachers and other staff who serve California's high priorty schools.
Borrowers must meet the following;
1. Must be 1st time homebuyer, purchasing a primary residence
2. Intend to occupy the property
3. Meet income and sale price limits according to the county in which they are purchasing.
4. Meet credit and loan requirements
5. Be a U.S. citizen or permanent resident alien
