Buying A Home

Buying a home is one of the biggest financial decisions you'll ever make. As a trusted mortgage broker, I am here to guide you through every step of the home buying process and help you achieve your dream of homeownership.

I understand that every client has unique needs and financial goals. That's why I offer a variety of mortgage options tailored to your specific situation. From first-time homebuyers to seasoned investors, I have the expertise to find the right mortgage solution for you.

Home Buyer Checklist

1) Budget: Determine your budget and stick to it. This will help you avoid overspending and keep your search focused on homes you can afford.

2) Mortgage Pre-Approval: Get pre-approved for a mortgage before you start shopping. This will give you an idea of how much you can afford to spend on a home and make your offer more attractive to sellers.

3) Location: Determine the location you want to buy in. Consider factors such as proximity to work, schools, public transportation, and amenities.

4) Type of Home: Decide on the type of home you want, such as a single-family home, condo, townhome, or multi-family home.

5) Size and Layout: Determine the size and layout of the home that will meet your needs. Consider factors such as the number of bedrooms, bathrooms, and living spaces.

6) Condition of Home: Consider the condition of the home you are interested in. Do you want a fixer-upper, or do you prefer a move-in-ready home?

7) Home Inspection: Have a professional home inspection done before you buy. This will help you identify any issues with the property that may affect your decision to buy.

8) Homeowners Association: Determine if the property is part of a homeowners association and review the HOA rules and fees.

5) Size and Layout: Determine the size and layout of the home that will meet your needs. Consider factors such as the number of bedrooms, bathrooms, and living spaces.

6) Condition of Home: Consider the condition of the home you are interested in. Do you want a fixer-upper, or do you prefer a move-in-ready home?

7) Home Inspection: Have a professional home inspection done before you buy. This will help you identify any issues with the property that may affect your decision to buy.

8) Homeowners Association: Determine if the property is part of a homeowners association and review the HOA rules and fees.

9) Property Taxes: Review the property taxes for the home you are interested in and factor them into your budget.

10) Closing Costs: Factor in closing costs, which can include attorney fees, appraisal fees, and title insurance.

11) Homeowners Insurance: Determine the cost of homeowners insurance for the property you are interested in.

12) Moving Expenses: Consider the cost of moving and factor it into your budget.

See What Clients Are Saying!

“Ryan made the entire mortgage process so smooth. He explained every step clearly and always made time to answer our questions. We felt supported from start to finish.”

“Working with Ryan was fantastic. His communication, attention to detail, and knowledge of loan programs gave us total confidence throughout our homebuying journey.”

“Ryan truly went above and beyond. He helped us understand all our options and guided us toward the loan that made the most sense for our situation. Highly recommended.”

“As first-time buyers, we were nervous — but Ryan made everything simple. He was patient, professional, and incredibly responsive. We couldn’t have asked for a better experience.”

“Ryan delivered a level of service you don’t see often. His updates, transparency, and commitment to keeping things on track made our refinance fast and stress-free.”

“From start to closing, Ryan treated us like a priority. He made sure we felt informed, prepared, and confident at every milestone. We’d gladly work with him again.”

Copyright ©2021 | Dato Home Loans

Licensed to Do Business in WA, OR, AZ, CA

Ryan Dato | NMLS #2065308 | Dato Home Loans Powered by Barrett Financial Group, L.L.C. | NMLS #181106 | 2701 East Insight Way, Suite 150, Chandler, AZ 85286 | AZ 0904774 | CA 60DBO-46052 & 41DBO-148702 Licensed by Dept. of Financial Protection & Innovation under the California Residential Mortgage Lending Act. Loans made or arranged pursuant to a California Financing Law License. | OR | WA MB-181106 | Equal Housing Opportunity | Equal Housing Lender | This is not a commitment to lend. All loans are subject to credit approval. |NMLS Consumer Access | Visit Barrett Financial Group’s Website

Corporate NMLS NMLS: 181106 | Company Website: https://www.barrettfinancial.com

Copyright ©2021 Dato Home Loans | NMLS# 2065308

Licensed to do business in WA, OR, AZ, CA


Ryan Dato | NMLS #2065308 | Dato Home Loans Powered by Barrett Financial Group, L.L.C. | NMLS #181106 | 2701 East Insight Way, Suite 150, Chandler, AZ 85286 | AZ 0904774 | CA 60DBO-46052 & 41DBO-148702 Licensed by Dept. of Financial Protection & Innovation under the California Residential Mortgage Lending Act. Loans made or arranged pursuant to a California Financing Law License. | OR | WA MB-181106 | Equal Housing Opportunity | Equal Housing Lender | This is not a commitment to lend. All loans are subject to credit approval. |NMLS Consumer Access | Visit Barrett Financial Group’s Website