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Confused About the Homebuying Process? Start Here

  • jcobian91
  • May 13
  • 1 min read

Buying a home can feel overwhelming—especially if it’s your first time. From mortgage terms you’ve never heard of to deciding how much you can afford, it’s easy to feel lost before you even begin.

 

That’s exactly why I created my free Homebuying eBook—a simple, easy-to-understand guide that walks you through the process step-by-step.

 

 

What’s Inside the eBook?

 

 

Whether you’re just starting to dream about homeownership or you’re ready to get pre-approved, this guide covers:

 

  • What lenders actually look for

  • How to prepare your finances

  • The difference between pre-qualification and pre-approval

  • What to expect at every stage—from offer to keys in hand

 

 

 

Why I Made It

 

 

I’ve helped hundreds of buyers who were told they “weren’t ready,” only to find out they just didn’t have the right guidance. You don’t have to figure this out alone—I believe in meeting you where you are and helping you build a custom game plan to get where you want to be.

 

 

Ready to Learn More?

 

 

Download your free copy of my eBook and take the first step with confidence. No jargon. No pressure. Just real information that helps you move forward.

 

 

 

Let’s turn confusion into clarity.

Click here to download the guide and let’s chat whenever you’re ready.

 

Serving all of California.

 
 
 

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Julio Cobian 
NMLS #691954
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11122 Mangrove, Chico CA 95926
1933 Bird St, Oroville CA 95965
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Office : 530-341-8376
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Cell : 619-793-6994

Not a commitment to lend. Rates and terms subject to change without notice. Licensed by The Department of Financial Protection and Innovation under the California Residential Mortgage Act No. 4130968; AL #22653; AR #32700; Colorado regulated by the Division of Real Estate; DE #019623; FL #MLD819; Georgia Residential Mortgage Licensee #20924; ID #MBL-5861; Kansas Licensed Mortgage Company #MC.0025601; KY: #MC701698; MD: #16927; Mississippi Licensed Mortgage Company Licensed by the Mississippi Department of Banking and Consumer Finance; Licensed by the NJ Department of Banking and Insurance; NC: L-152867; NV: #3681; OK: #ML012358; Licensed by the Oregon Division of Financial Regulation #ML-3808; PA: #37008; TN: #112513; Licensed by the Virginia State Corporation Commission #MC-5579, WV: #ML-31523/MB31759, WY: #3964. NMLS #1141. www.nmlsconsumeraccess.org

CONSUMERS WISHING TO FILE A COMPLAINT AGAINST A MORTGAGE BANKER OR A LICENSED MORTGAGE BANKER RESIDENTIAL MORTGAGE LOAN ORIGINATOR SHOULD COMPLETE AND SEND A COMPLAINT FORM TO THE TEXAS DEPARTMENT OF SAVINGS AND MORTGAGE LENDING, 2601 NORTH LAMAR, SUITE 201, AUSTIN, TEXAS 78705. COMPLAINT FORMS AND INSTRUCTIONS MAY BE OBTAINED FROM THE DEPARTMENT’S WEBSITE AT WWW.SML.TEXAS.GOV. A TOLL-FREE CONSUMER HOTLINE IS AVAILABLE AT 1-877-276-5550.

THE DEPARTMENT MAINTAINS A RECOVERY FUND TO MAKE PAYMENTS OF CERTAIN ACTUAL OUT OF POCKET DAMAGES SUSTAINED BY BORROWERS CAUSED BY ACTS OF LICENSED MORTGAGE BANKER RESIDENTIAL MORTGAGE LOAN ORIGINATORS. A WRITTEN APPLICATION FOR REIMBURSEMENT FROM THE RECOVERY FUND MUST BE FILED WITH AND INVESTIGATED BY THE DEPARTMENT PRIOR TO THE PAYMENT OF A CLAIM. FOR MORE INFORMATION ABOUT THE RECOVERY FUND, PLEASE CONSULT THE DEPARTMENT’S WEBSITE AT WWW.SML.TEXAS.GOV.

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