The Process
The Home Buying Process, Step By Step
Every deadline mapped out, so a 30-day escrow holds no surprises.
Who This Is For
Buyers who want to know exactly what happens, and when.
Problem Solved
Removing surprises from a fast-moving California escrow.
Why Linh Nguyen
Every deadline is mapped out in writing at the start of escrow.
Next Step
Request your full timeline — reach out to Linh to get started.
The Eight Steps
From Pre-Approval To Keys
Each step below has a defined deliverable and a deadline written into your purchase agreement.
Pre-approval
Lender verifies your income, assets, and credit.
Define the search
City, ZIP, schools, HOA, lot, and payment ceiling.
Tour homes
In person, and by video tour for out-of-area buyers.
Write the offer
Priced on verified comps, with clean, realistic terms.
Open escrow
Earnest money deposit, usually 1%–3% of the price.
Inspections & disclosures
Typically the first 7–10 days — negotiate credits.
Appraisal & loan approval
Typically days 10–21 of escrow.
Sign, fund, record
Keys usually on day 28–30 for financed purchases.
What Buyers Most Often Get Wrong
Three Avoidable Mistakes
Waiving the inspection contingency to win, only to discover a costly issue after closing. Underestimating total closing costs. And changing jobs or opening a new credit card during escrow — any of which can re-trigger underwriting and delay funding.
Costs To Budget For
Beyond The Down Payment
An earnest money deposit (credited back at closing), a home inspection, an appraisal fee, and 2%–3% in total closing costs. In California, the buyer's agent compensation is discussed and agreed in writing before touring homes.
Questions & Answers
Frequently Asked
How long does escrow take in California?
A standard California escrow runs around 30 days for a financed purchase and 10–14 days for cash. Inspections are usually completed in the first 7–10 days, the appraisal in the first 2–3 weeks, and loan funding around day 28–30.
How much are closing costs?
Buyers typically pay 2%–3% of the purchase price in closing costs — lender fees, escrow, title insurance, appraisal, and prepaid taxes and insurance. Sellers typically pay more, including commissions, transfer tax, and escrow fees. Closing costs can often be reduced with a seller credit negotiated into the offer.
What do buyers most often get wrong?
Waiving the inspection contingency to look competitive, then discovering a costly issue after closing. Underestimating total closing costs. And changing jobs or opening new credit during escrow, which can disrupt loan underwriting at the worst possible time.
What should I budget for beyond the down payment?
Plan for an earnest money deposit (credited back at closing), a home inspection (commonly a few hundred dollars), an appraisal fee, and total closing costs of roughly 2%–3% of the purchase price.
Get In Touch
Get Your Escrow Timeline
Every deadline mapped before you write an offer. Reach out and let's get started.
📞 (657) 846-8002 (USA)
📞 +84 975 88 11 55 (Vietnam)
✉️ linhn.realtor@gmail.com
