Jose Esparza

Buyer Information: Whether you are a first time buyer or this will be your tenth 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
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