How Can You Plan Ahead for the California Luxury Homebuying Journey?

by Gema Smith 01/12/2020

Purchasing a luxury residence in Los Angeles, San Francisco or any other California city or town should be fast and seamless. Yet problems may arise that make it tough to pursue your ideal Golden State luxury house. Lucky for you, we're here to help you prepare for the California luxury homebuying journey and ensure you can achieve the best-possible results.

Now, let's take a look at three tips to help you plan ahead for the California luxury homebuying journey.

1. Narrow Your Luxury Home Search

Think about where you want to reside in California and your must-have luxury home features. By doing so, you can narrow your Golden State luxury house search and speed up the process of finding your ideal residence.

Consider your short- and long-term plans as you explore the benefits of living in various California cities and towns. For example, if you want to own a luxury house that offers convenient access to Disneyland, you may want to focus on properties in and around Anaheim. On the other hand, if your long-term goal is to own a luxury house near family members in San Diego, you should tailor your property search accordingly.

Don't forget to craft a list of California luxury home must-haves too. With this list in hand, you can further accelerate your quest for a Golden State luxury residence that matches your expectations.

2. Get Pre-Approved for a Jumbo Mortgage

You know you want to buy a California luxury home, yet you are still unsure about how you will pay for it. Thankfully, lenders are available that can teach you about jumbo mortgages and help you find the right jumbo mortgage based on your individual needs.

A lender employs friendly, knowledgeable jumbo mortgage specialists who are happy to assist you in any way possible. Thus, if you want to find out how a jumbo mortgage works, a specialist can address your concerns and questions. Or, if you are struggling to weigh the pros and cons of different jumbo mortgage options, a specialist can help you make an informed decision.

Once you receive pre-approval for a jumbo mortgage, you'll know exactly how much you can spend on a luxury home in Beverly Hills, Malibu or any other California city or town. Then, you can kick off a Golden State luxury home search and avoid the temptation to overspend to acquire your dream house.

3. Hire a Real Estate Agent

A real estate agent can guide you along the California luxury homebuying journey. Therefore, if you want to pursue luxury homes in the Bay Area, a real estate agent will help you do just that. Comparatively, if you want to purchase a luxury home in Sacramento as soon as possible, a real estate agent will ensure you can make your homeownership dream come true in no time at all.

Take the guesswork out of pursuing your ideal California luxury home – use the aforementioned tips, and you can increase the likelihood of conducting a successful Golden State luxury house search.

About the Author

Gema Smith

Gema S. Smith has been an influential pioneer in the luxury real estate industry for over 30 years. With a reputation for providing first-class service and garnering impeccable results for her clients, Gema’s accomplishments have earned her mentions in San Jose Magazine as well as two State of California Senate Certificates of Recognition. 

Unapologetically persistent, tenacious in her negotiation and passionate about developing genuine trust with her clients, Gema brings her best-in-class service and award-winning approach to The Agency, with a focus on the high-end market of Silicon Valley. Previously, Gema served as a Broker Associate with Intero Real Estate Services in San Jose, where she was a consistent top producer and recognized as a Top Listing and Sales agent for the company’s 15 corporate offices. Knowing that every buyer and seller has their own unique story to tell, Gema is proud to play a role in her clients’ ongoing narrative and represent their best interests in what is often the biggest transaction of their lives. 

Gema has been an active member of the real estate community since 1987, getting her start in the loan business before obtaining her real estate and broker’s licenses. In 2002, she opened a real estate brokerage and loan company which she ran successfully until 2008, when she chose to focus her efforts on real estate sales full-time. Gema is a long-time member of the Santa Clara County Association of Realtors (SCCAOR) and California Association of Realtors (CAR), as well as a Certified REO & SHORT SALE Specialist with The Five Star Institute. She is also a two-time Santa Clara County Chapter President of NHORA (National Hispanic Organization of Real Estate Associates) and currently sits on the NHORA National Board of Directors. 

A passionate philanthropist, Gema sits on the Board of Directors for the Jose Valdes Math Institute. Her commitment and dedication to the advancement of educational opportunities to underserved communities defines her character. In her spare time, Gema enjoys gourmet cooking, entertaining family and friends, wine tasting, reading, jogging and traveling.