Buying a home is one of the most exciting—and sometimes overwhelming—milestones in life. Whether you're looking in Los Osos, San Luis Obispo, or anywhere along the Central Coast, this guide breaks down the buying process into clear steps so you can move forward with confidence. Created by BH Realty, this isn’t your average real estate advice—it’s tailored to give buyers an edge in today’s competitive market.
Not sure if Los Osos' coastal charm or San Luis Obispo's downtown energy fits your vibe? That’s okay. Begin by exploring neighborhoods, property types (condos, single-family, townhomes), and wish-list features. Pay attention to local pricing trends to help you time your offer strategically—especially in niche markets like Baywood Park or Morro Bay.
A lender might pre-approve you for more than you want to spend. Instead, build a budget that’s realistic for you—taking into account new home expenses like utilities, insurance, HOA fees, and maintenance. Your future self (and wallet) will thank you.
Before you fall in love with a home, get prequalified. I’ll connect you with trusted lenders who can assess your credit, job history, and finances to determine what you can actually borrow. A prequalification letter gives you a serious edge when it’s time to make an offer.
That’s me—and our BH Realty team. With deep knowledge of Central Coast communities and years of experience negotiating deals, we don’t just unlock doors—we open opportunities. From hidden gems in Los Osos to investment properties in Atascadero, we’ll help you navigate every step with clarity and confidence.
FIND YOUR DREAM HOME
When you tour a home, test everything—light switches, faucets, doors—and walk through the neighborhood. Consider noise levels, traffic, parking, and proximity to essentials like schools, beaches, and groceries. I’ll help you see what photos can’t capture.
Together, we’ll craft a strategic offer based on comps, market conditions, and your goals. Whether you're entering a bidding war or negotiating a sweet deal, I’ve got the experience to position you for success.
Inspections protect you from unexpected issues. If anything comes up—like a roof that’s seen better days—we’ll either renegotiate or walk away. No pressure, just smart decisions.
From VA and FHA loans to fixed- and adjustable-rate mortgages, you’ll have options. I’ll guide you in connecting with lenders who explain everything clearly, so you pick the loan that fits your long-term plan.
Your lender will order a home appraisal to ensure the home’s value lines up with your offer. If the appraisal comes in lower, don’t worry—we’ll talk strategy.
Once the paperwork is complete and the funds are transferred, the keys are yours! It’s time to start the next chapter—whether you’re planting roots or planning your next renovation.
Whether it’s a beach bungalow in Los Osos or a view home in SLO, I’ll be by your side the whole way. With BH Realty, you get more than just an agent—you get a local partner who’s committed to your success.
Led by seasoned real estate professional Braidy Halverson, BH Realty combines local expertise, trusted relationships, and a passion for helping clients succeed. With deep roots in San Luis Obispo County and a strong network of top-tier professionals—from lenders to contractors—we offer full-service real estate guidance with a personal touch. Whether you're buying, selling, or investing on the Central Coast, our team is all-in on making your real estate journey smooth, rewarding, and successful.
