Buyer Information

Prudential California Realty
Modesto Office

Whether you are a first time buyer or this will be your third home purchase, below is a great deal of helpful information that will keep you informed during the home buying process.

Finding a Good Agent
What I Can do for You
Benefits of a Buyer's Agent

Preparing To Buy a Home
Getting Prepared
First Time Buyers
Renting vs. Owning
How Much 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
Mortgage Insurance - Frequently Asked Questions

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

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