: Bank and investment statements for the last two months to prove you have funds for the down payment and reserves.
: State law requires sellers to provide a Transfer Disclosure Statement (TDS) and a Natural Hazard Disclosure (NHD) , which detail property defects and environmental risks like wildfires or earthquakes.
: Many state-sponsored programs, such as those from the California Housing Finance Agency (CalHFA) , require a certificate from an approved 8-hour education course. what i need to buy a house in california
Lenders will require several months of financial history to verify your readiness.
: Budget an additional 2% to 5% of the loan amount for fees like appraisals, title insurance, and inspections. : Bank and investment statements for the last
: Pay stubs for the last 30 days and W-2 forms or tax returns for the previous two years .
: To evaluate the property’s condition before closing. Lenders will require several months of financial history
: To provide a pre-approval letter , which is essential for making competitive offers in California's market.