Nicole Serviss

Yes, you can often use family gift funds for your down payment, but the lender has to see it documented correctly. They usually need a gift letter from your family member and proof of the transfer into your account. Each loan program has slightly different rules, so check with your lender to make sure the funds are set up the right way.

Yes, in many cases family can contribute toward a temporary mortgage buydown, but it has to be structured the way your lender requires. Usually the funds are treated as a gift, which means they'll need a gift letter and proof of the transfer. Because loan programs each have different rules, your lender is the one who decides exactly how the money can be applied. Be sure to tell them upfront that the funds are for a buydown so they can guide you through the correct paperwork.

Buying a home sight unseen is possible, but it takes the right plan and the right agent. Start by choosing a local Realtor who specializes in relocation so they can be your eyes and ears on the ground. Most of my relocation clients rely on virtual showings, detailed videos, and clear communication to feel confident in their choice. You'll also want to: Get fully pre-approved before you shop Use detailed inspections to understand the home's condition Rely on your agent for neighborhood insight, school info, and resale potential Coordinate with your lender and title company so closing can happen before your move date I've helped families move this way successfully. With the right support team, you can close from a distance and arrive ready to walk into your new home.

Yes, you can buy a house in California even if you are not a resident. Many people purchase second homes or investment properties in other states. Buying a home does not automatically change your residency, but how much time you spend there could affect things like taxes, driver's license, and voter registration. Because residency rules vary, it is always best to confirm the details with a tax professional or attorney before you make a move.

Selling and buying at the same time is very common, and there are a few ways to approach it. Some people sell first so they know exactly what they can spend on the next home. Others buy first using options like a bridge loan, a home equity line, or a contingent offer. The right path depends on your finances, timeline, and comfort level. As your agent, I would walk you through the numbers with a net proceeds sheet, explain your loan options, and help you coordinate both closings so the transition feels smooth. With the right plan, you can move from one home to the next without unnecessary stress.

That's a great place to start. Buying your first home begins with getting pre-approved so you know your budget and loan options. From there, you'll choose a local Realtor who can guide you through touring homes, writing offers, inspections, and closing. Key factors include saving for your down payment and closing costs, understanding your credit and monthly payment comfort, and working with trusted professionals: a lender, Realtor, home inspector, and other specialists depending on the home you are purchasing.