Your Guide to Buying the Home of Your Dreams

Everything You Need to Buy the Home of Your Dreams

Buying a home is one of the most important decisions you will make. Whether you are searching for your first home, an investment property, or a new place for your family, having the right guidance can make the entire process much easier.

I am here to help you make informed decisions, answer your questions, and guide you from the initial search to the moment you receive the keys to your new property.

Why Buy with

Mayra Serna?

Buying a property involves much more than finding a beautiful home. It means choosing an investment that fits your needs, goals, and budget.

As a professional Realtor, my commitment is to represent you and help you:

  • Find the right property based on your budget.

  • Identify the best available opportunities in the market.

  • Negotiate the price and terms of the purchase.

  • Understand every stage of the buying process.

  • Connect with trusted lenders.

  • Review contracts, deadlines, and important documentation.

  • Coordinate inspections and appraisals.

  • Anticipate potential challenges during the transaction.

  • Support you through closing day.

My goal is to help you buy with confidence, peace of mind, and the security of having a knowledgeable professional by your side.

Your Roadmap to Homeownership

The Home Buying Process

Every buyer has different needs, but understanding the main steps will help you feel more prepared throughout the process.

01
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Step 1

Financial Prequalification

The first step is understanding how much you may be able to invest in a property.

I can connect you with one of our trusted lending partners to review your financial situation, explore available financing options, and obtain a mortgage preapproval.

A preapproval can also strengthen your offer once we find the right property.

Step 2

Define Your Needs

We will discuss the features and priorities that matter most in your next property.

Together, we will identify:

  • Budget
  • Preferred location or neighborhoods
  • Number of bedrooms and bathrooms
  • Property type
  • Must-have spaces and features
  • Proximity to schools, work, or essential services
  • Personal or investment goals
  • Priorities for you and your family
Step 3

Property Search

You will receive personalized property options based on your needs, priorities, and purchasing ability.

We will review available listings and focus on the properties that truly match your criteria and represent a strong opportunity.

Step 4

Property Tours

We will schedule showings for the homes that interest you the most.

During each visit, we will evaluate the layout, overall condition, location, features, and any other factors that may influence your decision.

Step 5

Submit an Offer

Once you find the right property, we will prepare a competitive offer.

We will review comparable properties, current market conditions, and other relevant factors to negotiate the best possible price and protect your interests.

We will also carefully review the terms, contingencies, and deadlines included in the contract.

Step 6

Inspection and Appraisal

A professional home inspection can help identify potential issues with the property before the purchase is completed.

The appraisal helps confirm the property’s value and is typically required by the lender when financing is involved.

I will guide you through this stage, help you understand the results, and discuss the appropriate next steps.

Step 7

Closing

Before closing, we will review the final documents, costs, and terms of the transaction.

I will be there to support you through the signing process, the completion of the purchase, and the exciting moment when you receive the keys to your new home.

Welcome home!

Helpful Buyer Resources

Buying a property can raise many questions. These resources will help you prepare and better understand your options.

  • First-Time Homebuyer Guide

    Learn about the main steps, the documents you may need, and the decisions you will make during your first home purchase.

  • Mortgage Calculator

    Estimate your potential monthly payment based on the property price, down payment, interest rate, and other related costs.

  • Down Payment Assistance Programs

    There may be programs available to help eligible buyers with the down payment or certain closing costs. We can help you explore available options based on your circumstances.

  • Types of Mortgage Loans

    Learn about the differences between:

    • FHA loans

    • VA loans

    • Conventional loans

    • USDA loans

    • First-time homebuyer programs

    • Other financing options based on your financial profile

    We can connect you with mortgage professionals who can help you find the option that best fits your budget and goals.

  • Tips to Improve Your Credit

    Learn which factors may affect your credit score and what steps you may consider taking before applying for a mortgage.

  • Closing Costs
    In addition to the down payment, it is important to prepare for other purchase-related expenses, such as inspections, appraisals, insurance, taxes, and lender fees.

  • Documents Needed to Buy a Home

    Depending on your situation, your lender may request:

    • A valid form of identification

    • Proof of income

    • Bank statements

    • Tax returns

    • Employment history

    • Information about debts and financial obligations

    • Additional documentation for self-employed buyers

Frequently Asked Questions

How Much Money Do I Need to Buy a Home?

The amount will depend on the purchase price, loan type, down payment, and closing costs.

Although a 20% down payment is often discussed, some financing programs allow buyers to purchase with a lower percentage. A lender can review your situation and explain which options may be available to you.

What Credit Score Do I Need?

Credit score requirements vary depending on the loan program and lender.

Some loans may have more flexible requirements, while a higher credit score could help you qualify for better terms. Even if you are not ready to buy yet, we can guide you through the steps you may take to prepare.

How Long Does the Buying Process Take?

After an offer is accepted, many transactions can be completed within approximately 30 to 45 days.

However, the total timeline may vary depending on financing, inspections, the appraisal, negotiations, and the specific conditions of the property.

What Are Closing Costs?

Closing costs are additional expenses associated with completing the purchase of a property.

They may include lender fees, appraisal costs, inspection fees, title insurance, taxes, legal services, and other transaction-related charges. The total amount can vary based on the purchase price and the terms of the transaction.

Can I Buy a Home If I Am Self-Employed?

Yes. Self-employed buyers can purchase a property, although they are often required to provide additional documentation to demonstrate stable income.

This documentation may include tax returns, bank statements, profit-and-loss statements, business licenses, or other financial records.

A lender experienced in working with self-employed borrowers can help you identify the most suitable financing option for your situation.

Ready to Buy Your Next Home?

You do not have to go through the buying process without guidance.

Allow me to help you find a property that fits your needs, budget, and future plans.

From our first conversation to closing day, I will be by your side to provide information, guidance, and professional representation.

Bilingual service — english & español — for precise

and efficient communication

Serving Since 2023

Business hours

Monday to Friday: 9:00 a.m. – 6:00 p.m.

Saturdays: By appointment only

@ 2026 - Mayra Serna Realtor | All Rights Reserved