How to Buy a Home with Confidence — Step by Step with Pacific Coast Financial - 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 seem easy to click through listings and apply for a loan, the real homebuying process takes planning, preparation, and trusted guidance. At Pacific Coast Financial, LLC, we simplify the experience 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. That means looking at:

• Your monthly payment comfort level
• Your income, debts, credit score, and savings
• Lender guidelines on loan amounts

We help you determine your ideal price range using custom calculators and a short conversation to match you with the right loan options.

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 market. During this step:

• We collect your employment, income, and asset documentation
• Pull your credit report
• Match you with competitive loan programs
• Issue a firm Pre-Approval letter backed by Conditional Approval from our partner lenders

Your Pre-Approval gives you 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 on the property
• Coordinate directly with title and escrow for a smooth process

You can complete most of this securely online through our 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 in place. 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 was as easy 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 here.