Find Your Dream Home in Southern California

Your Buyers’ Agents

Expert Advocates.
In Your Corner.

As dedicated buyers’ agents, Kevin and Laura Fox represent your interests — and only yours — throughout every step of your home purchase. We work for you, not the seller. Our only goal is to help you find the right home at the right price, on your timeline.

With deep knowledge of Southern California’s inventory, pricing dynamics, and negotiating landscape, we position buyers to compete and win — whether it’s your first home or your fifth. Our clients close with confidence and without regrets.

Kevin Fox

Broker Associate

📞 562 818-0456 ✉ lkfox.com@gmail.com

CA DRE #01330038 · Licensed 2003

Laura Fox

Realtor®

📞 562 715-3743 ✉ lkfox.com@gmail.com

CA DRE #01750945 · Licensed 2006

BUY

Step by Step

The California Home
Buying Process

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Eight carefully guided steps to a successful Southern California home purchase — with Kevin and Laura beside you every step of the way.

Consultation & Goal-Setting

We begin with a conversation — your goals, timeline, budget, and must-haves. We discuss neighborhoods, schools, commute routes, and what the Southern California market looks like right now.

No obligation. Just clarity.

Get Pre-Approved

Pre-approval (not just pre-qualification) is essential in California’s competitive market. We connect you with trusted local lenders and help you understand loan programs — conventional, FHA, VA, and CalHFA options.

Pre-approval strengthens every offer you make.

Search & Showings

We provide full MLS access, alert you to new listings the moment they hit (or before), and arrange tours on your schedule. We know which homes are priced right and which to walk away from.

We know the neighborhoods — and the sellers.

Crafting a Winning Offer

In Southern California, offer strategy matters. We analyze comps, evaluate the seller’s situation, and help you write offers that are both competitive and protective — with the right contingencies in place.

Strategy wins homes. Price alone does not.

Offer Accepted — Open Escrow

Once your offer is accepted, escrow opens with a neutral third party. Your earnest money deposit (typically 1–3% of purchase price) is deposited. The clock starts on your contingency periods.

California escrow typically runs 30–45 days.

Inspections & Due Diligence

We coordinate home, pest, sewer, roof, and specialized inspections. You’ll review the Transfer Disclosure Statement (TDS), Seller Property Questionnaire (SPQ), and Natural Hazard Disclosure report. No surprises.

Know exactly what you’re buying before you commit.

Appraisal & Final Loan Approval

Your lender orders an independent appraisal to confirm the home’s market value. Meanwhile, underwriting reviews your full financial file. We stay in daily contact with your lender to keep everything on track.

We monitor every step so you never miss a deadline.

Close of Escrow & Keys

You sign loan documents, the lender funds, and the deed records with the county. We do a final walkthrough together to confirm the property’s condition. Then — keys in hand — you’re a California homeowner.

Congratulations. Welcome home.

California Advantages

Buyer Programs &
Financial Benefits

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California offers powerful programs for first-time buyers, veterans, and homeowners 55+. Most buyers don’t know what they qualify for — we do.

First-Time Buyers

CalHFA — California Housing Finance Agency

CalHFA offers below-market-rate first mortgage loans and down payment assistance for first-time buyers in California. The MyHome Assistance Program provides up to 3.5% of the purchase price toward down payment or closing costs. Income and purchase price limits apply by county.

Ask us: Does your income qualify for CalHFA assistance?

55+ Buyers

Prop 19 — Property Tax Base Transfer

California homeowners age 55 or older can transfer their current low property tax base to a replacement home of equal or lesser value, anywhere in the state. This can mean thousands of dollars in annual tax savings. You can use this benefit up to three times in your lifetime.

Save potentially thousands per year on property taxes.

Low Down Payment

FHA Loans — 3.5% Down

FHA loans allow qualified buyers to purchase with as little as 3.5% down (580+ credit score). They’re more forgiving of lower credit scores and higher debt ratios than conventional loans. Sellers can also contribute up to 6% of the purchase price toward closing costs.

Great for buyers with limited savings or lower credit.

Veterans & Military

VA Loans — Zero Down for Veterans

Eligible veterans, active-duty service members, and surviving spouses can purchase with zero down payment and no private mortgage insurance (PMI). There’s no loan limit for eligible full-entitlement borrowers, and the VA funding fee can often be financed into the loan.

Zero down. No PMI. Earned by your service.

Conventional

Fannie Mae HomeReady & Freddie Mac Home Possible

These conventional loan programs require as little as 3% down for qualified first-time or low-to-moderate income buyers. They offer reduced mortgage insurance rates and allow income from household members and rental income to count toward qualifying.

3% down with better rates than FHA for qualified buyers.

CA Disclosures

California Buyer Disclosures — Know Before You Close

California law requires sellers to disclose known material facts via the Transfer Disclosure Statement (TDS), Seller Property Questionnaire (SPQ), and Natural Hazard Disclosure (NHD) report. The NHD identifies fire hazard zones, earthquake fault zones, flood zones, and liquefaction areas. We walk you through every disclosure.

California’s disclosure laws protect you. We help you read them.

Buyer Stories

What Our Buyers Say

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“

★★★★★

As first-time buyers we were completely overwhelmed. Kevin walked us through every single step, explained everything in plain language, and made us feel confident. We closed on our dream home without a single surprise. We could not have done this without him.

First-Time Buyers · Norwalk, CA

— David & Ana R.

“

★★★★★

We lost two homes in bidding wars before Kevin redesigned our offer strategy. On our very next offer, we won — in a multiple-offer situation, under asking price. His knowledge of what sellers actually want made all the difference in the world.

Competitive Offer Win · Whittier, CA

— The Nguyen Family

“

★★★★★

Laura helped us relocate from out of state. She did virtual tours, researched schools, and was so patient with every question. By the time we arrived for our final visit, we already knew exactly what we wanted. We closed in 28 days. Laura was extraordinary.

Relocation Buyer · La Habra, CA

— The Patel Family

Free Buyer Guides

Knowledge That Empowers

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Free California buyer guides written from two decades of first-hand experience — not generic internet advice.

First-Time Buyers

The Complete California First-Time Buyer Guide

Everything you need to know before buying your first home in California — from saving for a down payment to understanding closing costs and what to expect at the escrow table.

Get the Guide ›

Pre-Approval

Pre-Approval vs. Pre-Qualification: Why It Matters

In a competitive Southern California market, a full pre-approval — not just a pre-qualification — can be the difference between winning a home and losing it. Here’s exactly what lenders need and why it matters.

Get the Guide ›

Disclosures

Understanding California Seller Disclosures

California has some of the strongest buyer disclosure laws in the country. Learn what sellers are required to reveal — and what the TDS, SPQ, NHD, and other disclosure forms actually mean for your purchase decision.

Get the Guide ›

CalHFA & Programs

Down Payment Assistance in California

Many California buyers qualify for down payment assistance and don’t know it. This guide breaks down CalHFA programs, income limits by county, how much assistance is available, and how to apply alongside your purchase.

Get the Guide ›

Your Dream Home. Within Reach. We Guide You There.

Expert Advocates.
In Your Corner.

The California Home
Buying Process

Buyer Programs &
Financial Benefits

What Our Buyers Say

Knowledge That Empowers

Ready to Start
Your Search?

Your Dream Home. Within Reach. We Guide You There.

Expert Advocates. In Your Corner.

The California HomeBuying Process

Buyer Programs &Financial Benefits

What Our Buyers Say

Knowledge That Empowers

Ready to StartYour Search?

Expert Advocates.
In Your Corner.

The California Home
Buying Process

Buyer Programs &
Financial Benefits

Ready to Start
Your Search?