How to Buy a Home in Palmdale & Lancaster: The Simple 8-Step Home Buying System

By Armand Martin | Realtor® | DRE# 02140006

Buying a home in Palmdale or Lancaster doesn't have to be confusing or overwhelming. Whether you're a first-time homebuyer, relocating, or purchasing an investment property, there is a proven step-by-step process that keeps everything simple and stress-free.

I use an 8-Step Home Buying System specifically designed to guide buyers in the Antelope Valley from planning → keys in hand.

If you want clarity, confidence, and a plan, this guide is for you.

✅ Step 1: Buyer Consultation

The first step is understanding your goals:

• Monthly budget

• Ideal home features

• Target neighborhoods

• Realistic timeline

We sit down (or meet online) and go over everything. No pressure — just clarity.

✅ Step 2: Get Pre-Approved

Before shopping for a home, you’ll meet with a lender to determine your pre-approval budget.

Minimum credit score to start: 500-580
However, if you plan to use Down Payment Assistance, the requirement is usually 640+ (details below).

If paying cash? Skip to Step 4.

✅ Step 3: Shop for Homes

Once pre-approved, we start touring homes within your approved price range.
I’ll help you:

• Identify the best neighborhoods

• Compare home values

• Spot red flags

• Understand resale potential

This part is where the fun begins!

✅ Step 4: Submit Offers

When you find the right home:

• I negotiate the offer

• We submit your terms to the seller

• Once accepted → Escrow opens

• You submit your earnest money deposit

This step is where having the right agent truly matters. Negotiation experience can save you thousands.

✅ Step 5: Inspections & Appraisal

During escrow, we have 17 days or less to:

• Inspect the home

• Identify needed repairs

• Review disclosures

• Confirm the property’s value matches the purchase price (appraisal)

If you're paying cash, this is typically the final step before closing.

✅ Step 6: Loan Underwriting Approval

The lender verifies:

• Income

• Debt-to-Income Ratio

• Employment history

• Required documents

This is where not making new purchases matters.
Avoid new credit cards, car loans, & unnecessary spending while in escrow.

✅ Step 7: Loan Documents & Final Funding

Once approved:

• You sign your loan documents

• Final funds are transferred

• Closing is scheduled

Almost there — this is the final stretch.

✅ Step 8: Recording Day (Keys in Hand!)

The deed is officially recorded with the county — the home is now legally yours.
You get your keys and move in, usually within 1–3 days.

Don’t forget to invite me to the housewarming. 😉

🏡 Down Payment Assistance Programs (Palmdale & Lancaster)

If you're eligible, you may be able to buy a home with little to NO money down.

Typical Requirements:

• Credit Score: 640+

• Employment: 1–2 Years in same field

• Recent W-2s, paystubs, bank statements

There are multiple grant and assistance options available in Los Angeles County and the State of California — including programs that help cover your down payment and closing costs.

I help buyers determine which program fits their situation.

Why Work With Armand Martin?

✔ Local Antelope Valley Market Expertise
✔ Proven 8-Step Home Buying System
✔ Negotiation Experience That Protects Your Money
✔ Education-Focused & No Pressure
✔ Available for Homes in Palmdale, Lancaster, Quartz Hill, Rosamond & California City

Ready to Get Started?

Whether you’re 30 days or 12 months away from buying — planning now saves money later.

Schedule Your Buyer Consultation:
📲 Text or Call: 661-221-5011
📧 Email: armand.martin@exprealty.com
📸 Instagram: @aboveaveragemondo

Looking to buy in Palmdale or Lancaster? The sooner we start planning, the smoother your home buying journey will be. Let’s make your next move your best move. 💼🔑

—
Armand Martin
Realtor® | DRE# 02140006
Serving the Antelope Valley & Greater Los Angeles