Monterey Peninsula Home Buyer Information Center

Finding a Good Agent

Benefits of a Buyer's Agent
How Can We Help You Buy A Home

Preparing To Buy a Home

Getting Prepared to Buy a Home
First Time Buyers
Renting vs. Owning
How Much Money Do I Need
What Can I Afford?
Income vs. Debt Ratios
Estimate Your Buying Power
Understanding Your Credit Score
Examining Your Credit History
Getting Pre-Approved

Finding A Property

Are You Ready To Find A Property?
Visiting Open Homes
Using A Property Checklist
Other Considerations

Making an Offer

The Basics Of Making An Offer
The Purchase Agreement
What You Need To Know
Negotiating
How Much Should I Offer?

Finding a Home Loan

What Is A Mortgage?
Typical Mortgage Providers
Choosing A Mortgage
Fixed Rate Mortgages
Adjustable Rate Mortgages
Common Questions
Loan Applications
Loan Application Checklist
The Underwriter
What Will Be Included In My Mortgage Payments?
Your Rights As A Consumer

Closing The Deal

What Is Escrow?
The Sale Process
Home Buyer's Responsibilities
Buyer Disclosures 101
The Loan Process
Closing Costs
Who Pays For What?
The Escrow Process
Property Tax Calendar