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 MORE!
We have a special saving when we combine your mortgage with Pacifica Mortgage and purchasing a home with us: receive a credit of 1% of the sales price toward closing costs.
With over 18 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!
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 FHA, Pacifica Mortgage is offering the most competitive 1st Time Buyer program available anywhere. The program features:
*3.5% Down Payment 96.5% financing at below market interest rates
Gift Funds from family can be used for down payment
Seller can credit buyer up to 6% towards closing costs.
Non-Occupant co-borrower can help you qualify
30 Year Fixed Rates
Recieve a $8,000. Federal Tax Credit
Borrowers must meet the following;
1. Must be purchasing a primary residence
2. Intend to occupy the property
3. Meet income and minimum 620 Fico Credit Score
4. Meet credit and loan requirements
5. Be a U.S. citizen or permanent resident alien
