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🌱 Why You Don’t Have to Be 100% Ready to Start the Homebuying Process

  • jcobian91
  • Jul 29
  • 1 min read

One of the biggest myths about buying a home? That you have to already be financially perfect to begin.

 

As a mortgage loan officer, I talk to people every day who feel like they need to have:

 

  • A massive down payment

  • A perfect credit score

  • Zero debt

  • Or know exactly what kind of home they want…

 

 

But here’s the truth: You don’t have to have it all figured out to start.

 

In fact, starting before you’re “ready” is the smartest move. Why?

 

✅ Because we can build a custom plan to help you get ready.

✅ Because you’ll understand what you qualify for and what you might need to work on.

✅ Because when the perfect home comes along, you won’t miss the opportunity.

✅ Because knowledge = confidence.

 

Whether you’re buying in Chico or anywhere in California, I’m here to help you plant the seed and watch it grow 🌿

 

Want to see where you stand or just ask a few questions? Let’s talk — no pressure, just real answers.

 

📲 DM me or apply now using the link in bio!

 

 

 
 
 

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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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