Buying a Home

Thinking about buying a home? We have information that can help! Got questions? Give us a call. We can answer your questions without any commitment. (916) 632-9633.  Much of this information below is actually from the Housing and Urban Development Government website.  For more information directly from their site, go to

1. Figure out how much you can afford
What you can afford depends on your income, credit rating, current monthly expenses, downpayment and the interest rate.

Home Economics

Homebuying programs in your state

2. Know your rights

Fair Housing: Equal Opportunity for All– brochure

Real Estate Settlement Procedures Act (RESPA)

Borrower’s rights

Predatory lending

3. Shop for a loan

Looking for the best mortgage: shop, compare, negotiate – brochure

Let FHA help you

Learn about interest only loans

Avoid Predatory Lenders

4. Learn about homebuying programs

Homebuying programs in your state

Let FHA help you (FHA loan programs offer lower downpayments and are a good option for first-time homebuyers!)

HUD’s special homebuying programs

Good Neighbor Next Door(formerly known as Teacher/Officer/Firefighter Next Door)

Hurricane Evacuees discounted sales

Homeownership for public housing residents

Indian Home Loan Guarantee Program(Section 184)

5. Shop for a home

Wish list – what features do you want?

Home-shopping checklist? take this list with you when comparing homes

Homes for sale(including HUD homes)

Fixer-Uppers – home purchase and repair programs

Manufactured (mobile) homes

Build a home

Shopping for a Home FAQ’s

6. Make an offer

Making an offer

7. Get a home inspection

For Your Protection Get a Home Inspection

10 Questions to ask a home inspector

8. Shop for homeowners insurance

Homeowners insurance

12 ways to lower your homeowners insurance costs

9. Sign papers
You’re finally ready to go to “settlement” or “closing.” Be sure to read everything before you sign!

Settlement Costs and Helpful Information