— First-Time Buyer Guide

From overwhelmed
to keys in hand.

Eight steps. Real plain language. Designed so a first-time buyer in West Covina can read this once and know exactly what's coming — and what to ask at every stage.

01

Pre-Approval

Before you tour a single home, get pre-approved. This tells you what you can actually afford, makes your offers competitive, and turns 'browsing' into 'shopping with intent.' We'll connect you with O1ne Mortgage for fast, honest pre-approval.

02

Define What You Need

Lifestyle first, listing second. We sit down and work through what you actually need — commute, schools, space, neighborhood feel — versus what you think you want. This list shapes everything that follows.

03

Search & Save

Browse the live MLS, save favorites, and let us flag matches that meet your criteria — including off-market opportunities you won't see anywhere else.

04

Tour Homes

We tour together — pointing out things you'd miss alone (drainage, roof age, neighborhood patterns, resale signals). Most buyers tour 5–8 homes before they know which one is theirs.

05

Make the Offer

We craft an offer designed to win without overpaying — using comps, market temperature, seller motivation, and the right contingencies. You'll know exactly why every number is what it is.

06

Inspection & Negotiation

A licensed inspector goes through the property. We then negotiate repairs, credits, or price adjustments based on what they find. This is where great representation saves you thousands.

07

Appraisal & Loan

The lender orders an appraisal to confirm the home is worth the price. We coordinate every document, every deadline, every signature with O1ne Mortgage to keep the loan on track.

08

Close & Move In

Final walkthrough. Sign at escrow. Keys in hand. We're there for all of it — and for everything that comes after.

— Preferred Financing Partner

Georges Kfoury

Senior Loan Officer · NMLS #365129

Every buyer needs a lender who answers the phone, returns calls before closing, and structures the loan to work for them — not the algorithm. Georges has spent two decades doing exactly that across Southern California.

Phone(909) 642-8258
Emailgeorge@o1nemortgage.com
NMLS#365129
Start Pre-Approval
— Ready

Take the first step.

Get Pre-Approved Schedule a Buyer Consultation