Where Should the Home-Buying Process Begin?

You’ve made the decision to buy a home, heavily weighed the pros and cons and are now ready to begin the home buying process.  But where exactly should you begin?  Mark Robertson, of Samuel Scott Financial Group, offers his expertise on how to prepare for buying a home and getting a loan in order to make the buying process stress-free.  Please continue reading below…

Many future homebuyers often start off looking at homes, while this isn’t necessarily harmful, it helps to know how much you qualify for in order to look at realistic potential new homes.  Nobody wants to fall in love with a home, only to learn later on that there is no way that they could ever qualify for it.  Mark recommends before going out and looking at different homes to first begin the “hunting and gathering stages.”  The “hunting and gathering” stages require you to go hunting through all of your paperwork and gather the necessary documents needed to prequalify for a loan.  These documents include: tax returns, pay stubs, bank account statements for each account, drivers license, and social security cards.  During this stage of the game, your credit will also be ran, in order to get a feel of how your credit measures up.

After this process is complete, future homebuyers will then have a pretty clear picture of just how much they qualify for, but should sit down with their mortgage advisor to discuss how big of a mortgage payment they are comfortable with, amongst other things.  Although this process might be intimidating, especially because you are sharing personal and private information, it is important to be up front with your mortgage advisor about any questions or concerns you may have.  Their knowledge and expertise will help bring a sense of comfort and ease to the home buying process, while ensuring all of your information is kept private and confidential.

Be sure to visit Samuel Scott Financial Group to get in contact with local Mortgage experts who can help guide you through this process.


Carmel Valley San Diego Community | Mark Robertson | Samuel Scott Financial GroupMark Robertson was one of the four original Mortgage Advisors who helped launch Samuel Scott Financial Group in 2006.  Six years later, he remains one of their top producing originators and a client favorite.

Mark believes that it is his job to empower people and help them make educated decisions about purchasing or refinancing their home.  With more than a decade of experience in real estate and lending, he uses his expertise to position his clients for successful transactions.

Through out San Diego, Mark is known for his incredibly high level of customer service.  He goes above and beyond to make sure his clients receive star treatment and professional communication.  His ‘first-class’ mentality has earned him an outstanding reputation and thriving business with high end clientele looking for specialized loan programs.  Mark is the perfect source of information for buyers who need Jumbo loans, are self employed or have other unique financial situations.

Samuel Scott Financial Group is a boutique mortgage company recognized for superior customer satisfaction and the way they tailor the residential loan process to every individual client.  Todd “Samuel” Pianin and Brian “Scott” Reynolds founded the company on the principles of long lasting relationships, and a sincere honest approach to every single individual we serve.  Consistent and reliable, Samuel Scott Financial Group has been selected as The

Carmel Valley San Diego Community | Samuel Scott Financial GroupBest Mortgage Company in San Diego for the 5th straight year by readers of local publications.

President:  Todd Pianin

Vice President of Sales:  Russ Schreier

Mortgage Advisors:  Christian Alvarez,  Dean Brown, Mark Buchanan, Mitch Palmer, Brian Reynolds, Debra Roberts, Mark Robertson, Alex Scoma, Brian Shaw, Keith Sims, David Talbott.

Carmel Valley San Diego Community | Equal housing Lender | Samuel Scott Financial Group


Samuel Scott Financial Group is licensed by the CA Dept. of Real Estate license #01458652 and NMLS identifier 235584. ©2011 Samuel Scott Financial Group. All rights reserved.


Carmel Valley San Diego Community | RIDE Cyclery Encinitas

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