Buying a Home
in San Diego
With 20+ years guiding San Diego buyers and a background in mortgage lending, Jessica Metcalf understands both the home and the financing behind it. She walks first-time buyers, military families, and seasoned investors through every step, in English or Spanish, so you can move forward with clarity and confidence.
Pre-Purchase Preparation
01 · Build Solid Credit
Your credit score determines the interest rate you’ll qualify for, and even a small difference compounds into thousands over a 30-year mortgage. Pay down existing debt, make all payments on time, and avoid opening new lines of credit before applying. Having spent years in mortgage lending, Jessica knows exactly what lenders look for and can help you strengthen your profile first.
02 · Save for a Down Payment
Plan for a minimum of 3.5% down for an FHA loan, though 20% avoids private mortgage insurance. San Diego is a competitive market, and being financially prepared gives you a decisive advantage when it is time to make an offer.
03 · Get Pre-Approved
In today’s San Diego market, sellers expect buyers to arrive with a pre-approval letter. It shows you’re serious, clarifies your true budget, and allows you to move quickly when the right property comes along. Drawing on her own years as a mortgage branch manager, Jessica can connect you with trusted local lenders and help you understand the loan options that fit your situation.
04 · Initial Consultation
Before touring homes, sit down with Jessica to define your must-haves and your nice-to-haves, including neighborhoods, price range, property type, and timeline. This focused approach saves time and narrows your search to homes that truly fit your life.
05 · Viewing Homes
With your criteria set, Jessica will schedule showings tailored to your list. Take notes, ask questions, and take a thorough look at each property, from the roof to the foundation. Don’t fall in love with staging; fall in love with the bones.
Have questions about any of these steps? Call Jessica at (619) 341-2600. She is happy to walk you through it, in English or Spanish.
The Transaction Process
Writing an Offer
When you find the right home, Jessica will help you craft a competitive offer that reflects current market conditions, comparable sales, and your specific situation. In a seller’s market, strategy matters as much as price.
Earnest Money Deposit
Typically 1% of the purchase price, the earnest money deposit is due within 72 hours of offer acceptance. This good-faith deposit demonstrates your commitment and is applied toward your down payment at closing.
Home Inspection
Buyers pay for the home inspection, one of the most important steps before finalizing any purchase. A licensed inspector evaluates everything from structure to plumbing and electrical. Jessica will help you interpret the findings and negotiate repairs or credits accordingly.
Ready to Find Your San Diego Home?
Call (619) 341-2600 or email jessica@metcalf.pro