Buying
Buying a home in Orange County
Buying a home is a big step, and preparation makes all the difference. Here's how the process works, what's specific to buying in Orange County, and how Katherine helps along the way.
The buying process
Get pre-approved
Start with a lender. A pre-approval sets a realistic budget and shows sellers you are ready to move, which strengthens your offer.
Define what matters
Neighborhood, commute, schools, HOA or no HOA, space, and must-haves. A clear list keeps the search focused.
Tour homes
Katherine sets up searches that match your criteria, schedules showings, and points out details worth a closer look.
Make a strong offer
Price is grounded in recent comparable sales, and terms like timing, contingencies, and deposit can matter as much as the number.
Escrow and due diligence
Inspections, disclosures, appraisal, and final loan approval all happen during escrow, which in California commonly runs about 30 to 45 days.
Close and get your keys
After a final walkthrough and signing, the deed records with the county and the home is yours.
Good to know in Orange County
Property taxes
Under Proposition 13, the base property tax is 1% of the purchase price plus any voter-approved local assessments. Expect a supplemental tax bill after closing.
HOAs and Mello-Roos
Many newer and master-planned communities have HOA dues and Mello-Roos special taxes. Both affect your monthly cost, so budget for them from day one.
Seller disclosures
California sellers provide required disclosures, including the Transfer Disclosure Statement and Natural Hazard Disclosure. Review them closely during escrow.
Condos and manufactured homes
Condos and townhomes can be a lower-cost path into coastal cities. Manufactured homes in parks, including 55+ communities, usually come with monthly space rent and park rules.
Buyer questions
How much do I need for a down payment?
It depends on the loan. Some programs allow a low down payment while others require more. A lender can walk you through the options for your situation.
What are closing costs?
Fees for the loan, escrow, title insurance, and prepaid items like property taxes and insurance. Your lender's Loan Estimate lists the expected amounts early in the process.
Can I buy before I sell my current home?
Often, yes. Options include an offer that is contingent on selling your current home, or financing that bridges the gap. The right approach depends on the market and your finances.
How is a buyer's agent paid?
Buyer's agent compensation is negotiable and agreed to in writing before you start touring. Sometimes a seller contributes toward it. Katherine will explain the options up front.
General information only, not legal, tax, or lending advice.
Ready to start your search?
Tell Katherine what you're looking for, and you'll get a clear plan for finding it.