Information For Buyers
Buying a home is an exciting and demanding time in one's life. Making the smart move of choosing a REALTOR® is your first step to ensuring that your new home and community meets your needs. The McClain Team's services and experience range from financial aid to helping you find the home that best suits you and your family. For your convenience, we also provide listings by email. We pride ourselves on repeat and referral business and hope you'll come to understand why.
How The McClain Team Can Help
Before you start looking
Closing Costs
Propositions 60, 90 and 110
As Your Personal Consultant, The McClain Team Will:
- Assure that you see all the properties in the area that meet your criteria.
- Guide you through the entire home buying process: from finding prospective homes to getting you the best financing options.
- Make sure you don't pay too much for your new home and help you avoid costly mistakes.
- Answer all of your questions about the local market area, including schools, neighborhoods, the local economy, and more.
Before You Start Looking For Your New Home:
- Have the McClain Team check your credit rating and help you straighten out any errors before its too late.
- Determine a comfortable monthly budget for your new purchase, including down payment and monthly payment.
- Find a loan program and get pre-approved.
- Determine what neighborhood best matches your needs.
- Identify important features you would like your new home to have.
- Lender fees include charges for loan processing, underwriting, preparation and establishing an escrow account.
- Third-party fees include charges for insurance, title search, and other inspections such as termites.
- Government fees include deed recording and state & local mortgage taxes.
- Escrow and interest fees include homeowner's insurance, loan interest, real estate taxes, and occasionally private mortgage insurance.
For A Free Estimate of Your Closing Costs, Click Here.
What are Propositions 60, 90 and 110?
Propositions 60, 90 and 110 are consitiutional amendments approved by the voters of California. They provide for the transfer of a property's base year value from an existing residence to a replacement residence, under certain conidtions, for qualified persons over the age of 55 or persons of any age who are severely and permanently disabled.
For more detailed information on Propositions 60, 90 and 110, Click Here.
