Home Buying Guide

Quality homes for local communities

“Our mission is to build innovative homes of exceptional quality and value where people are free to pursue their dreams in a secure, comfortable community.” James Brenda James Brenda President

Step by Step Buying Guide

Benefits of Buying a Newly Built Home

Customize Your Home

Choose a floor plan, layout and location that meets your needs AND your tastes. With options across the board for fixtures, appliances, flooring and counters, buying a new JKB home will create the perfect space for the rest of your life.

Live With Better Building Standards

With the advancements in homebuilding standards, JKB homes built today meet stringent building codes and standards not previously in place. This includes increased safety standards, better air quality and higher overall efficiency. Another perk of a well built home? Less overall and long term maintenance.

Go Green!

Take advantage of new technology and increased energy efficiency that directly translates into lower monthly bills. By purchasing a new JKB home, you can choose from energy efficient packages that include everything from solar installations to low flow, high performance faucets and more.

Financing Your Home

JKB Lending Partner for Belmont & Bella Flora

Sharlyn Gomes Sharlyn Gomes Loan Sales Manager

Sharlyn Gomes is a veteran in the mortgage industry. She has been able to create loan solutions for specific mortgage needs. She works with a team of underwriters and processors to assist in funding each loan on time, every time at loanDepot. Her success is due to her unparalleled level of service at creating unique loan solutions.

When considering the purchase of a new home, refinancing or obtaining additional property, please contact Sharlyn for a personalized mortgage plan.

CA LIC # CA-DOC377295

Cell 209-846-6402

Office 209-604-0453

Fax 866-933-7975

sgomes@loanDepot.com

Get Pre-Qualified

JKB Lending Partners for Portello

Dennis Ulrich Nolan Matteucci Loan Sales Manager

Nolan is a Sales Manager who has been able to create loan solutions for specific mortgage needs. He works with a team of underwriters and processors to assist in funding each loan on-time, every time at LoanDepot. Nolan's success is due to his unparalleled level of service at creating unique loan solutions.

NMLS#921064

Cell 916-955-8715

Office 916-746-8430

Fax 855-225-2055

nmatteucci@loandepot.com

Get Pre-Qualified

Dennis Ulrich Norm Blaskoski Loan Consultant

As a Loan Consultant on the Builder Team, Norm has a wealth of experience navigating customers through financing of a new home under construction. Whether it is your first home purchase or the home you would like to retire in, Norm can help guide you to the right mortgage to fit your needs and budget.

NMLS#918988

Cell 916-220-6614

Office 916-746-8442

Fax 877-724-3912

nblaskoski@loandepot.com

Get Pre-Qualified

How to Pre-Qualify For Your Loan

You must have loan pre-approval prior to signing the purchase contract. The lender's job is to understand your particular financial circumstances completely. You will review all information on the application at your meeting with the loan officer. A situation rarely arises that your loan officer has not encountered in the past. Do not hesitate to discuss any questions you have regarding your assets, income, or credit. By providing complete information, you prevent delays or extra trips to deliver documents. Get Pre-Qualified

Loan Application Checklist

Documentation and information required for a mortgage can seem overwhelming. You can facilitate the application process by collecting as much of the needed information as you can before your appointment. The checklist that follows is a general guide to assist you with the loan application. Some of the items listed may not apply to you and your lender will probably request some items that we have not mentioned, but this list will get you off to a good start.

Property Information

  • The purchase agreement will include the legal description of the property and the price

Personal Information

  • Social Security number and driver's license for each borrower.
  • Home addresses for the last two years.
  • Divorce decree and separation agreements, if applicable.
  • Trust agreement, if applicable.

Real Estate Owned

  • Names, addresses, phone numbers, and account numbers of all mortgage lenders for the last seven years.
  • Copies of leases and two years of tax returns for any rental property.
  • Market value estimate.

Income

  • Most recent pay stubs.
  • Documentation on any supplemental income such as bonuses or commissions.
  • Names, addresses and phone numbers of all employees for last two years.
  • W-2's for last two years.
  • If you are self-employed or earn income from commissioned sales, copies of last two years of tax returns with all schedules and year-to-date profit and loss for current year, signed by an accountant.
  • Documentation of alimony or child support, if this income is considered for the loan.

Liquid Assets

  • Complete names, addresses, phone numbers and account numbers for all bank, credit union, 401 K, and investment accounts.
  • Copies of the last three months statements for all bank accounts.
  • Copies of any notes receivable.
  • Value of other assets such as auto, household goods, and collectibles.
  • Cash value of life insurance policies.
  • Vested interest in retirement funds or IRA's.

Liabilities

  • Names, account numbers, balances, and current monthly payment amounts for all revolving charge cards.
  • Names, addresses, phone numbers, and account numbers for all installment debt and approximate balances and monthly payments for such items as auto loans and mortgages.
  • Alimony or child support payments.
  • Names, addresses, phone numbers, and account numbers of accounts recently paid off, if used to establish credit.

Recommended Homeowner Maintenance

Your new home has been built by licensed subcontractors. It was designed with the needs of your family in mind. It will require regular preventive maintenance by you to preserve its beauty and value. An understanding of how to care for each feature in your new home will prevent costly repairs and replacements later.

Preventive maintenance on your new home must begin when you move in. Read the information provided in your homeowner’s manual to become familiar with the procedures for maintenance.

The area in which your home has been built offers a wide range of temperatures that may be experienced from day to day. These temperature variations combined with expansive soils that are common in the area affect our building practices and your home. Building materials such as wood and concrete are subjected to constant expansion and contraction from day to day. This can result in minor warping of wood materials and cracking of drywall, stucco, concrete and mortar. These effects are particularly obvious in the first year after a new home has been built.

You can minimize these effects on the interior of your home by maintaining a constant temperature indoors. This allows the wood to dry at an even rate and may eliminate larger settlement cracks.

Minor cracks and displacement of wood are a normal part of the aging process of your home and do not affect its structural integrity.

We have provided an overview of the features and materials in your new home. Please study each section carefully so that you become familiar with the routine maintenance that your home requires.

Before you do maintenance such as repainting and replacing exterior items, please consult your Homeowners Association or your C.C.&R.'s, where applicable. This will make sure that the work that you do meets the regulations and guidelines that have been established for your neighborhood. Be especially careful when you repaint with a different color, erect new structures or fences, add to or change your landscaping and when you install window coverings that are visible from outside the home.