The first steps include assessing your financial situation, checking your credit score, setting a budget, getting pre-approved for a mortgage, and identifying your needs in a home.

The typical down payment ranges from 3% to 20% of the home price, depending on the type of mortgage. Some government-backed loans allow for lower down payments.

Mortgage pre-approval is when a lender evaluates your finances and determines how much they are willing to lend you. It helps you understand your budget and makes you a more competitive buyer.

Your credit score, loan amount, down payment, loan type, and market conditions all influence your interest rate.

Yes, a real estate agent can help you find suitable homes, negotiate offers, and guide you through the buying process. Their expertise is valuable, especially for first-time buyers.

Closing costs include fees for the lender, title insurance, home inspection, and other administrative expenses. They typically range from 2% to 5% of the home’s purchase price. The BQ real estate agent will review the closing costs with you once they receive the estimated closing statement from the escrow officer.

A home inspection is an evaluation of the property’s condition by a professional. It helps identify potential issues before purchasing and can save you from unexpected repair costs. The real estate agent will give you specific advice on the home inspection.

The process typically takes 30 to 60 days from offer acceptance to closing, but it can vary depending on financing, inspections, and negotiations.

Consider factors like safety, schools, commute times, local amenities, future development plans, and property value trends. 

Yes, but it may be more challenging. You might qualify for government-backed loans (such as FHA loans) with lower credit score requirements, but you may face higher interest rates.

1. Home Buying Consultation

• Fully understand your needs, analyze various options, and determine the most suitable areas and property types.
• Provide a detailed introduction to the home-buying process, offer solutions and resources, and create a personalized home-buying plan.
• Set up a dedicated service group for your home-buying journey to provide end-to-end, one-stop service.

Financial Preparation

• Introduce and recommend trusted lending institutions, obtain pre-approval letters, and assist in preparing proof of funds.

Property Search

• Leverage BQ's extensive network to source properties, including off-market listings.
• BQ’s team filters and analyzes listings and regularly sends high-quality property options to you.

Property Tours

• Evaluate the property’s surroundings and objectively present the pros and cons.
• Investigate the property’s history to prevent unforeseen issues.

Due Diligence

• Assist you in reviewing seller disclosures, home inspections, title reports, and natural hazard reports, with early warnings of major issues.
• Conduct a thorough investigation of the neighborhood and environment and provide honest feedback on any factors affecting your interests.
• Answer all your questions comprehensively during this process.

Offer Strategy

• Research property background information and conduct comparative market analyses.
• Create a sales comparison report and provide accurate decision-making support based on research findings.
• Develop pricing strategies and carefully package your offer.
• Use exceptional negotiation skills to maximize your interests in both price and terms.

Negotiation

• If the seller accepts the offer: Confirm the agreement and make any necessary amendments or additions with both parties’ signatures.
• If the seller rejects the offer: Communicate with the seller’s agent to understand the reason for rejection, modify the offer per your preferences, and reopen negotiations.

Closing Coordination

• Coordinate all parties involved, arrange home inspections, and provide detailed reports to identify and resolve potential issues.
• Assist lenders in arranging appraisals to ensure accurate valuations and reasonable loan amounts.
• Work with the title company to handle earnest money deposits efficiently and ensure smooth processing of all transfer documents.

Final Walkthrough

• Arrange a final walkthrough within five days prior to closing.

Signing Documents

• Guide you through signing the formal purchase agreement, ensuring all details are accurate.
• Facilitate the deposit process to ensure a secure and smooth transaction.

1. Home Insurance

• Recommend reputable insurance providers and help you choose the most suitable homeowner insurance plan.
• Ensure the insurance is effective before closing, covering risks such as fire, theft, and natural disasters to protect your new home.

1. Loan Finalization

• Assist in preparing and submitting all necessary loan documents to expedite the loan approval process.
• Maintain communication with lenders during the approval period to ensure a seamless process.

1. Closing and Settlement

• Recommend reliable escrow companies to ensure a seamless title transfer and settlement process.
• Ensure the title is clear of disputes, protecting your purchasing rights.
• Obtain government-stamped documents to finalize the title transfer.

1. Key Collection

• After completing all procedures, arrange for you to collect your keys.

1. Move-In Preparation

• Coordinate with relevant agencies to quickly set up utilities such as water, electricity, and gas, ensuring a hassle-free move-in.
• Recommend reliable moving companies to provide high-quality moving services, making your move into the new home stress-free.

Exclusive Features of BQ Realty Home Buying Services

• One-on-One Consultation Before Purchase (with illustrations): Personalized discussions to understand your needs and offer tailored advice.
• End-to-End, One-Stop Service Throughout the Buying Process (with illustrations): A team of experts dedicated to your journey.
• Comprehensive Preparation Services Before Purchase (with illustrations): Including financial guidance and pre-approval assistance.
• Exclusive Channels to Locate Ideal Properties (with illustrations): Access to a robust network, including off-market listings.
• Customized Property Matchmaking (with illustrations): Properties are carefully selected, charted, and sent to you in print or digital format.
• Disclosure and Background Review Assistance (with illustrations): Ensuring all documents are thoroughly reviewed and analyzed.
• Offer Strategy Preparation and Submission (with illustrations): Packaging your offer for the best results.
• Professional Negotiation Representation (with illustrations): Identifying negotiation breakthroughs and maximizing benefits.
• Coordination of Complex Closing Processes (with illustrations): Ensuring a seamless property transfer.
• Detailed Final Walkthrough (with illustrations): Ensuring everything meets your expectations before closing.
• Assistance with Escrow and Loan Documentation (with illustrations): Preparing and finalizing payments and documents.
• Government Stamping and Title Transfer (with illustrations): Facilitating official property ownership transfer.
• Key Handover and Utility Activation (with illustrations): Helping you move in with peace of mind.

Core Advantages of BQ Realty’s Home Buying Services

• One-Stop Concierge Home Buying Experience
  BQ Realty Excellence provides a seamless, concierge-style home buying experience. From selecting a property to receiving the keys, our team’s comprehensive service ensures a stress-free, worry-free, and reassuring journey to finding your dream home. Adhering to standardized processes, we prioritize respect for clients, loyalty, diligence, and dedication to ensure the highest service quality.
• Standardized Professional Service Packages
  We offer standardized service packages, including pre-approval loan applications, in-depth background reports, pricing strategy analyses, competitive offer preparation, closing packages, and access to post-purchase renovation resources.
• BQ Realty’s Professional Team
  With extensive expertise and years of experience, we help you avoid potential issues such as roofing, foundation, plumbing, termite, and natural hazard (NHD) concerns. We analyze potential properties to recommend the most suitable options tailored to your needs.
• Innovative New Media Channels for Expanding Property Options
  BQ Realty has established a professional new media network, converting resources from various channels into actionable buyer opportunities. This custom marketing approach is unique in the Bay Area. Leveraging Google Ads, social media platforms like Facebook, and YouTube paid promotions, we maximize exposure while sourcing properties both online and offline.
• Strong Influence in the Real Estate Industry
  Engaging daily with agents and sellers through five dynamic platforms, we maintain a high profile and actively connect with relevant parties. This real-time, data-driven approach allows us to efficiently find properties that match your needs.