How to Buy a Home with Confidence — Step by Step with Pacific Coast Financial
A practical roadmap for borrowers and realtors
Buying a home is one of life’s biggest financial decisions—and we’re here to guide you through every step. While online resources make it easy to scroll listings and click “apply,” the real homebuying process takes planning, preparation, and trusted guidance.
At Pacific Coast Financial, LLC, we simplify the journey so you can focus on what matters most: settling into your new home.
Step 1: Know What You Can Afford
Before touring homes or making offers, it’s important to understand your budget. This includes your monthly payment comfort level, your income, debts, credit score, and savings, and lender
guidelines on maximum loan amounts.
We’ll work with you using our custom calculators and a short consultation to match you with the right loan options and determine your ideal price range.
Step 2: Get Pre-Approved
This is where your mortgage journey truly begins. Pre-Approval gives you—and your REALTOR®—a strong advantage in today’s competitive market. During this step we will collect employment, income, and asset documentation, review your credit report, match you with competitive loan programs, and issue a firm Pre-Approval letter backed by Conditional Approval from our partner lenders.
Your Pre-Approval provides both buying power and peace of mind.
Step 3: Apply for Your Loan
Once your offer is accepted, we move quickly to complete your loan application and begin underwriting. We’ll finalize your loan program, order a professional appraisal, and coordinate directly with title and escrow for a seamless process.
Most of this can be done securely online through our client portal.
Step 4: Closing and Recording
We handle the paperwork and deadlines so you can focus on your move. Whether you prefer to sign documents at escrow or with a complimentary mobile notary, we ensure everything is ready. On closing day, your loan is funded, recorded, and you’re officially a homeowner.
From Start to Keys in Hand
You wouldn’t be on our site if buying a home were as simple as filling out a one-page form and getting same-day funding. That’s where we come in. At Pacific Coast Financial, LLC, we do the heavy lifting—so you don’t have to. From your first questions to the day you move in, we’re by your side every step of the way.
Need a roadmap? Download the CFPB Home Loan Toolkit.