Couple receiving keys to their new home
The Journey Home From first search to final signature, we guide every step
The Theós Advantage

One Team for
Everything

Most home buyers juggle separate real estate agents and mortgage brokers who never talk to each other. At Theós, our mortgage brokerage and real estate company work as a single, integrated team — so nothing falls through the cracks.

For sale sign in front of a home

Find Your Home

Our real estate team at Theós Realty, led by Lina Girgis, helps you search for the perfect property across Santa Clarita, Valencia, Saugus, and Canyon Country.

  • MLS access and off-market listings
  • Neighborhood expertise
  • Personalized home search
  • Offer strategy and negotiation
Explore Theós Realty
Core Service

Secure Your Financing

Peter and the Theós Financial team scan 200+ lenders to find the best mortgage rate and terms for your specific situation — often closing in as few as 14 days.

  • Conventional, FHA, VA, Jumbo
  • First-time buyer programs
  • Down payment assistance
  • AI-powered rate matching
Get Your Quick Quote

Close with Confidence

Because our real estate and mortgage teams communicate in real time, the closing process is seamless. No surprises, no delays, no stress.

  • Coordinated timelines
  • Digital document signing
  • Title and escrow management
  • Post-close support
Understand Closing Costs
The Home Buying Process

From Dream to
Front Door

Buying a home is one of the biggest financial decisions you will ever make. Here is the entire process, demystified and simplified by Theós.

01

Assess Your Finances

Before you start browsing listings, get a clear picture of what you can afford. Use our Quick Quote tool to see estimated rates and monthly payments with zero obligation. Review your credit score, savings for a down payment, and monthly budget. Our team will help you understand debt-to-income ratios and how they affect your purchasing power.

02

Get Pre-Approved

A pre-approval letter tells sellers you are serious and financially qualified. At Theós Financial, our technology-driven pre-approval process is fast — often completed in the same day. We verify your income, assets, and credit to issue a letter that carries real weight in competitive markets like Santa Clarita. Learn more about pre-approval.

03

Search for Homes

With your pre-approval in hand, our Theós Realty team helps you search for homes that match your criteria. Whether you are looking in Valencia, Saugus, or Canyon Country, Lina Girgis and her team provide expert guidance on neighborhoods, school districts, commute times, and market conditions.

04

Make an Offer

When you find the right home, your Theós Realty agent crafts a competitive offer based on comparable sales data, market conditions, and your budget. Because we also handle the mortgage, we can provide rapid proof of funds and pre-approval updates that give your offer an edge over competing buyers.

05

Inspections and Appraisal

Once your offer is accepted, you enter escrow. A home inspection reveals the property's condition, while a professional appraisal ensures the home's value supports the loan amount. Our team coordinates scheduling and reviews all reports with you so there are no surprises.

06

Loan Processing and Underwriting

Our loan processors compile your documentation and submit your file to underwriting. Thanks to our digital-first platform, automated verification and AI-assisted document review cut processing time dramatically. You can track every milestone in real time through your borrower portal.

07

Closing Day

You sign final documents, funds are disbursed, and the title transfers to your name. Our escrow partners handle the details, and our team is there to answer every last question. Congratulations — you are now a homeowner. Understand what closing costs to expect.

Loan Programs

Choose the Right
Mortgage

Different buyers need different loan programs. Here is a quick overview of the most popular options — and how Theós Financial helps you pick the best one.

Conventional Loans

The most common mortgage type. Available with as little as 3% down for qualified borrowers. Ideal for buyers with good credit and stable income.

Learn More

FHA Loans

Government-insured loans with lower credit requirements and down payments as low as 3.5%. Perfect for first-time buyers and those rebuilding credit.

Learn More

VA Loans

Zero down payment and no PMI for eligible veterans, active-duty service members, and surviving spouses. One of the best loan programs available.

Learn More

We also offer Jumbo Loans, Non-QM and USDA Loans, Investment Property Financing, and specialized first-time buyer programs.

Start Today

Ready to Buy
Your Home?

Whether you are a first-time buyer or a seasoned investor, Theós Financial and Theós Realty are here to make the home buying process simple, fast, and stress-free. Get started with a free Quick Quote today.

Get Your Quick Quote Call 661-812-3950
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Mortgage
Calculator

Adjust the sliders to estimate your monthly payment. Then get your personalized rate from 200+ lenders.

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