OUR SAN DIEGO HOME BUYING PROCESS

A complete step by step guide to the San Diego home buying process featuring expert insights from trusted Realtor Betty Torano. Learn how to prepare, search and purchase with clarity, gaining the knowledge and support you need to move forward with confidence.

Contemporary San Diego home with a modern living room, tall windows, neutral decor, and a stylish open kitchen, featured on the home buying process page for Betty Torano Realtor.

Who You Hire Matters

Your agent shapes your entire home buying experience. Work with a trusted San Diego Realtor who protects your goals from the first meeting to closing day.

Buying a home in San Diego is a major decision, and the guidance you receive matters. With years of experience in the San Diego real estate market, Betty Torano helps you navigate each step with clarity and confidence. From understanding your goals to negotiating on your behalf, you are supported through every stage of the journey.

San Diego Real Estate Betty Torano Realtor

Essential San Diego Home Buying Videos

Watch essential videos from San Diego Realtor Betty Torano as she explains key steps in the home buying process. Learn what to expect at every stage, from financing to closing, so you can move through your home buying journey with confidence.

What Our Clients Are Saying

Bill V.

Betty Is A Marketing Genius! Betty is absolutely fantastic! She proved to be indispensable as my selling agent. She assumed total responsibilities of so many aspects that sellers have to contend with. It was such a pleasure to have her unburden me of final details in readying my property for sale. And Betty is a marketing genius! She generated a huge awareness of the property that resulted in tremendous interest with many substantial offers.

Kyle C.

Betty Torano is the ultimate professional. We live out of state and she made the process so easy and quick. She follows the market area and knows how best to position your home for maximum results. She is passionate about her job and goes above and beyond to help her clients. She is persistent, compassionate, knowledgeable, organized, attentive and most of all honest. She walks you through the whole process, conquers any obstacles with professionalism and is extremely responsive. She is truly a 5 star winner.

Gisselle V.

Betty was the best realtor we could ask for, her enthusiasm, consistency, professionalism and knowledge were key elements in the process of finding our ideal home. She constantly sent us homes to review and got to know us in a more personal level in order to figure out what we were looking for. She explained everything really well and answered all the questions we had in a way we could easily understand. She always understood our needs and financial possibilities, you can tell she is ver passionate about her job. We will always be grateful for her extraordinary job!

San Diego Home Buying FAQs You Need To Know

How much do I need for a down payment on a home in San Diego?

Most buyers in San Diego put anywhere from three to twenty percent down, but the ideal amount depends on your loan program and overall goals. Conventional loans can start at 3%, and putting 20% down removes PMI, which helps lower your monthly payment. FHA loans require at least 3.5%. VA loans allow qualified buyers to purchase with 0% down and no PMI at all, which is a significant benefit for veterans and active duty service members. I can also connect you with trusted, seasoned San Diego lenders who will outline your options clearly so you can choose the down payment strategy that fits your budget and strengthens your offer.

What’s the difference between pre-qualification and pre-approval?

How does my credit score affect my mortgage rate?

What are closing costs, and how much should I expect to pay in San Diego?

How long does the homebuying process usually take in San Diego?

Can I buy a home in San Diego if I’m self-employed or have irregular income?

What’s included in my monthly mortgage payment?

What is a 2-1 buydown, and how does it work?

Are there first time homebuyer programs available in San Diego?

What inspections are required when buying a home in San Diego?

Ready to Begin Your Home Buying Jouney?

Work with a trusted San Diego Real Estate Agent, Betty Tornao who puts your goals first. Contact our team today to begin your home buying journey with confidence and clarity.