Buying in Orange County

Find the home. Understand the numbers.

Your home search should start with what works for your life and your budget. I’ll help you make sense of both.

Garry McDonald, Orange County REALTOR and mortgage loan officer

A clear path from first questions to closing.

Start with your budget

We’ll look at the monthly payment, cash to close, and financing options so you can search with a realistic range.

Find the right fit

We’ll narrow the neighborhoods and homes around your priorities, then compare what your budget can buy.

Build an informed offer

I’ll help you weigh price, contingencies, timing, and financing, and stay involved through escrow.

Home search and financing, considered together.

As a REALTOR® and mortgage loan officer, I can help you see how property decisions affect the financing—and how financing choices affect your search. You’re welcome to work with your preferred lender; I’ll coordinate with the people involved in your transaction.

A few common questions.

Do I need to be pre-approved before looking?

You can explore homes first, but understanding your financing early helps you focus your search and prepare to make an offer.

Do I need a 20% down payment?

Not always. Available programs and requirements depend on your circumstances. We can review the options rather than assume one number fits everyone.

What if I also need to sell?

We’ll talk through timing, available equity, and the practical steps for coordinating the two moves.

Let’s start with what you’re looking for.

Tell me what you’re considering. We’ll talk through your options and decide where to go from here.

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