The Guerrero Team Bakersfield, CA
The Complete Guide for Home Buyers

Don't Just Search
for a Home.
Find the Right One.

Financing, preparation, inspections, and negotiation. The full strategy behind buying a Bakersfield home with confidence and zero surprises.

Contents

What's Inside.

Everything we cover during a buyer consultation, organized for easy reference. Tap any topic to jump straight to it.

Section 01 – 03

The Right Home.
The Right Guidance.

Most buyers think the process is simple: find a home online, make an offer, move in. The reality is that buying in today's Bakersfield market involves financing strategy, negotiation tactics, inspection expertise, and legal disclosures that can cost you tens of thousands of dollars if navigated incorrectly.

We don't just open doors. We represent your interests at every step, from pre-approval through closing.

"Our purpose is to help our clients turn their dreams into reality through the power of real estate."
Jonathan & Tanya Guerrero
Husband & wife.
We believe everyone deserves the opportunity to create real estate wealth and leave a legacy for their families. We are committed to making that dream a reality.
Section 02

Meet the Guerrero Team.

Jonathan Guerrero

Jonathan Guerrero

Realtor · DRE #02002567

Jonathan is a natural creative and the founding cornerstone of Rockhouse Agency. His background in technology and real estate drives his passion for business.

Jonathan's vision for his clients is to provide incomparable service and value through his real estate and marketing expertise. Rockhouse Agency is an innovative and expanding brand under Jonathan's expert leadership.

Tanya Guerrero

Tanya Guerrero

Realtor · DRE #02156472

Tanya is passionate about helping and educating her clients. Her educational background gives her an edge in communication and negotiations.

Tanya's vision for her clients is that they are well informed, understand the market, and feel entrusted in her knowledge and dedication in guiding them through all their real estate transactions. Tanya brings warmth to client interactions that is evident in her smile and her desire for families to reach their goals of homeownership.

Husband and wife. One philosophy: serve, don't sell.
Your Next Steps

The Six Steps Between Here
and Your New Home.

The rest of this guide walks through each of these in detail: money, showings, inspections, and the contract itself.
Section 04

Get Your Finances in Order

Step 1 · Pre-Approval First
12 years of work history & tax returns required by most lenders
2Secure pre-approval before touring any home. Sellers require it
3Know your comfortable monthly payment before you fall in love with a home
Down Payment Options
FHA3.5% down (580+ credit)
Conventional3–20% down
VA$0 down (eligible buyers)
Investment20–30% down

Plan for up to 6.5% of purchase price total (down + closing)

Section 05

How Much Money Do I Need?

It's more than just the down payment. Buyers are responsible for all purchasing costs, even when sellers often help.

Inspection
$425+
Starting cost · Non-refundable
Appraisal
$500–$850
Lender-ordered · Non-refundable
Earnest Money
~1%
Of offer price · Shows commitment
Additional Closing Costs
Credit application: $100–$300 Title & escrow fees: varies Lender fees: varies by loan type
Good to Know

Sellers often offer credits or cover some closing costs, but this is negotiable, not guaranteed. Agent commissions are often covered by the seller but must be confirmed in your agreement.

Section 06

Define Your Home Needs

1Must-haves vs. nice-to-haves. We'll help you rank what truly matters
2Home search portal to save and reject listings in real time
3Preferred neighborhoods. We'll introduce you to all areas of Bakersfield
4Future growth & resale value. Don't just think about today
Section 11

Offers & Negotiations

After you submit, the seller may:
✓ Accept · You move forward with the purchase
✗ Reject · Your home search continues
↔ Counter · We negotiate to reach an agreement
Strong Offer Tips

Competitive price based on market research · Flexible closing date · Solid earnest money deposit · Pre-approval letter attached

Section 08 · Inspection Contingency

Home Inspection & What You Need to Know

17-Day Inspection Contingency

Once your offer is accepted, you have 17 days to investigate the property. We are purchasing the home AS-IS. The seller is not obligated to make repairs. This is why inspection is critical. Starting at $425 · Non-refundable.

⚠ Important Limitation

A home inspection is not a guarantee of condition, past, present, or future. Inspectors are not licensed roofers, HVAC techs, plumbers, or engineers. We cannot guarantee the inspector's performance and no inspector can find every issue that may exist or develop. Always inspect high-ticket items separately.

Separately inspect high-ticket items
🏠 Roof
❄ HVAC Systems
🚿 Plumbing
⚡ Electrical & Foundation
🏊 Pool & Sewer Lines
After the seller reviews your report
1 · Seller agrees to all repairs 2 · Seller agrees to some repairs 3 · Seller offers a credit at closing 4 · Seller declines, and you may cancel & get deposit back

When purchasing an older home, you're buying the property in its current condition. Unless a component is specifically advertised as new, recently replaced, or fully remodeled, it should be assumed that it has age and normal wear.

Neither we nor the home inspector can predict exactly when any particular system or component will need repair or replacement. It could continue functioning for many years, or it could fail shortly after closing. That's simply part of owning an existing home.

A home inspection is strongly recommended because it helps identify visible issues and the current condition of the home, but it cannot predict future failures or uncover every possible defect. Likewise, a home warranty can provide added peace of mind, but it does not guarantee coverage for every repair or issue that may arise.

As a homeowner, it's important to expect that maintenance, repairs, and occasional replacements are a normal part of homeownership—especially with an older home.

Section 07

Showings &
Appointments.

How Showings Work
We schedule all showings on your behalf
You will never walk through a home alone as an unrepresented buyer
We attend every showing, in person or via video walkthrough
Give us 24–48 hours notice for most active listings
We use showings to build your offer strategy, not just view homes
What to Look For
Water stains on ceilings or walls, signs of past leaks
Foundation cracks or uneven floors
Age of roof, HVAC, and water heater
Neighborhood noise, traffic, and proximity to schools
How you feel in the space. Trust your instincts
Important: Do not contact listing agents directly or attend open houses as an unrepresented buyer. Always let us know first. We protect your negotiating position from the very first visit.
Section 09 · Critical Disclosure

New Construction
Representation

Read this before visiting any builder or model home.

The Rule

We will introduce you to all areas of Bakersfield and all possible new construction builders. We are here to represent your interests, not the builder's.

You must have us accompany you on your first visit to any new construction site. If you visit without us and do not inform the builder's agent that you are represented, the builder will register you as unrepresented.

If You Go Without Us

The builder will cut us off from that community, and you will be responsible for paying our commission out of pocket.

What We Provide

Market pricing, builder incentive negotiation, upgrade strategy, contract contingency review, all advocating for you at no additional cost when done correctly.

Call us before you walk into any model home. 661.332.7176
Section 10 · Resale Homes

Resale Homes:
Do Not Contact the LA

The Listing Agent's (LA) fiduciary duty is to the seller, not you. Any information you share with them can and will be used to negotiate against you.
Do not call or email the listing agent directly
Do not share your budget ceiling, timeline, or motivation with them
All communication goes through us. That's how we protect you.
Section 08 Cont'd

The Appraisal

A written report determining market value using comparable sales within ~1/4 mile. Cost: $500–$850, non-refundable. The lender bases your loan on the appraised value, not your offer price.

If the appraisal comes in low:
1 · Seller reduces price to match appraisal
2 · You bring extra cash to closing
3 · You walk away from the purchase

Neither the realtor nor lender controls appraiser selection. Contingency: 17 days, often extended.

Section 12 · Contract to Closing

Contract to Closing

Typical timeline: 30–45 days
Day 1–3 · Offer accepted, earnest money deposited
Days 1–17 · Inspection contingency period
Days 7–21 · Appraisal ordered & completed
Days 15–30 · Loan approval → clear to close
Closing Day · Sign, fund, keys in hand