Justin Bare
Direct: (831) 477-2540
Mobile: (831) 239-3112
Fax: (831) 476-8366
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First Time Buyer Information

David Lyng Real Estate
Capitola Main 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

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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