Want to Buy An Encinitas Home? Here’s 5 Ways How…

5 steps to buying your own home blog header_Fotor

Why Would You Want to Buy An Encinitas Home?

Well… most importantly life in Encinitas never gets old. You have day after day of sunshine, waves, good food, great shopping, and coastal sunsets galore. It is like living your life on a permanent vacation. For most of us, we never want to leave if we don’t have to. Encinitas is a great place to call home. As rents continue to increase and living in North County San Diego becomes ever more desirable, buying an Encinitas home becomes more and more of a practical idea. I know you might think… “I don’t even know where to start with buying a home”… well start by reading the 5 points below… then pick up the phone and let’s get you a home!

1) Save. Save. Save… For Your Encinitas Home Downpayment 

Save money for a home - encinitas coast life

This is possibly the hardest part of purchasing a home… coughing up that lump sum down payment to get into an Encinitas home. This is also the most important part of owning a home. Whether it is cutting out on how many times you eat out during the week, asking your parents/family for a little help, or using your current life savings to put down… this is the number one thing to start so you can buy your very own home. It takes planning and lifestyle adjustments but in the end it is so very worth it to be your own landlord and invest in your future. We found a great article on how to save for that downpayment here.

2) Get Pre-Approved for Your Encinitas Home Loan and Set Your Budget
encinitas Mortgage application - encinitas coast life

So once you have your savings in tact, have developed good credit, and are feeling confident you are prepared to buy an Encinitas home – you will need to get pre-approved for a home loan. The pre-approval will help you gauge what you can afford and make purchasing a home more in reach than you ever thought. A home loan officer will help you with that pre-approval letter that you should have before you put an offer in on any home… specially in a competitive housing market like Encinitas. You will want to shop around for a great lender to work with. If you are looking for a great home loan officer who has worked locally for years, Chris Foster of Bay Equity can help you and he comes highly recommended from us! Check out his profile and contact him here. 

3) Hire a Local Real Estate Agent to Help You Find Your Encinitas Home

locals only for blog post_encinitas coast life

So it may be a little obvious, but our advice is to work with someone who knows and lives in the local housing market. A good realtor can either make or break your home purchase, and you want to make sure they are good. Check out realtors by searching them online, interviewing them, and asking about their past success with home buyers. You will want to make sure they are professional, knowledgable, and will work hard for you. Not to toot our own horn but… We Are For Hire! As locals, agents, Encinitas home owners, and property experts maybe we can be the ones to help you get your home – cruise on over to our contact page and shoot us an email here. 

4) Let the Fun Begin! Search for Your Encinitas Home To Find “The One” !

choosing a home in encinitas - encinitas coast life

So you have your downpayment, you know your budget, you’ve hired an awesome realtor… and now the fun begins! Searching for your perfect Encinitas home and looking at different properties is what you’ve been waiting for. It’s just like HGTV… except it’s nothing like HGTV House Hunters. You will probably look at more than just three properties – some will be perfect but way out of your budget… some will be in budget but just not right. But don’t give up the home search and trust that you will find THE place to call home. If you find “The One”, the obvious thing is, don’t wait to put in an offer because chances are someone else loves it too (but I’m getting ahead of myself, read on to #5). If you want to search NEW Encinitas homes on the market check the latest listings right here. 

5) Put In Your Encinitas Home Offer and Jump for Joy at Acceptance! 

sold - our first home - encinitas coast life

*Hypothetical – but soon to be likely situation* Imagine walking out of the last home you’ve seen and absolutely loving it… Congratulations! You have made it to the final step of the home buying process. Since you are ready to make an offer on the home, you will want to work with your realtor to put the offer in writing. The offer amount and conditions will be up to you and guidance from your agent. Once you decide on the fair market value and give your competitive purchase offer,  you will need to be patient to hear back from the seller’s side (this could be less than 24 hrs or a few days depending on the sellers and offer). *Now skipping through our hypothetical story*…  You finally get the phone call from your agent you’ve been waiting for! The voice on the other end of the line says “Your offer has been accepted!”. This is the best moment that will make you want to laugh, cry, and jump for joy all at the same time. With all that hard work and a pretty penny, you are now a home owner. Living a dream life in Encinitas and owning a piece of this wonderful place we call home.


Life in Encinitas and home ownership may not be as far off as it seems. If you need more real estate guidance and advice on the market, let us know! We love to help you live the dream of home ownership! So start saving for that downpayment and give us a call!

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