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The Heinrich Team offers you the experience you expect for the Monterey Peninsula and surrounding communities. Call us today: 800-585-6225.
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Before signing a contract with any REALTOR®, make sure you know EXACTLY how your home will be marketed.
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 Compare three mortgages at one time.
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Ben and Carole Heinrich are some of The Top Selling Real Estate Experts™
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Welcome to beautiful Monterey Peninsula!
Come spend a day or a lifetime with us! You will love everything about Monterey! |
 |  | | Monterey Views | |
Monterey was once the Capital of the Spanish territory of California, and the first capital of the state of California. There are many historic building and Spanish Adobes that the city has passionately restored. The Bay, filled with fishing boats, sail boats and sea otters, is the natural focal point of the city.
Visit Local Info/About Our Town for more information on Monterey, California.
 | | | Quaint Carmel Cottage | |
Carmel is home to breathtaking white sand beaches and is known for it’s plentiful art galleries, unique architecture, antique stores and boutiques. Hike through the natural beauty of Point Lobos State Reserve or take a walking tour to view all the hidden courtyards with a trove of treasures to be found within Carmel-by-the-Sea.
Visit Local Info/About Our Town for more information on Carmel, California.
 | | | Carmel Valley Ranch | |
 | | | Cypress Point, Pebble Beach | |
Pebble Beach is accessible by the spectacular 17-Mile Drive, Pebble Beach provides, perhaps, the most scenic setting for golf and recreation in the world. With its famous championship golf courses, it is hailed as a mecca for golfers. Its stunning coastline includes Cypress Rock, Bird Rock and the Lone Cypress, one of the most photographed landmarks on the California coast.
Visit Local Info/About Our Town for more information on Pebble Beach, California.
 | | | Misty Big Sur Coast | |
Big Sur is located approximately 30 miles south of Monterey and offers you the most dramatic stretch of coastline which begins in Monterey County and ends 90 miles south in San Luis Obispo County at the Hearst Castle. Volcanic peaks rise from the surf and towering redwoods meet with the rugged coastline. Its wild natural beauty can be experienced at numerous private and public campgrounds, parks, ocean and river beaches which include three million acres of untouched wilderness and three hundred miles of trails on state and federal land.
Visit Local Info/About Our Town for more information on Big Sur, California.
 | | | Monarch in Pacific Grove | |
Pacific Grove is also known as Butterfly Town USA because it is the annual migration choice of thousands of Monarch Butterflies who come to rest on the same protected stand of trees every winter. Also famous for it’s Old-fashioned charm, Pacific Grove is called "America's last home town" due in part to the gorgeous Victorians that line Ocean View Boulevard & gaze across the ocean.
Visit Local Info/About Our Town for more information on Pacific Grove, California.
|  | | Contact the Heinrich Team |
 Our website was created for you! Whether you are looking to buy or sell, we offer you the experience you expect! Search everything our website has to offer, right here! And, don't miss our Feature Homes. Need local real estate information? We've summarized much of what is important about the Monterey Peninsula, Pebble Beach and Carmel real estate market in this site. Need expert advice? No web site, large or small, can take the place of a top REALTOR®. Not even ours! This site is filled with ways that you can contact us for one-on-one expert help and advice. That's our job. Contact us with confidence! We guarantee your privacy will be respected. And we offer the services on this site for free and without obligation. Why? We want to be YOUR REALTORS®. As your trusted, professional real estate partners, we will help you find the best home in your area within your price range. And together we will sell your home, for as much as the market will bear, and as quickly as possible. Buying and selling a home is one of the biggest events in your life. As top Monterey Peninsula, Pebble Beach and Carmel REALTORS®, we have the experience and track record you are looking for. Please let us help. - Ben, Carole & Grant Heinrich 
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Buyers Remorse >First Time Loans
Most first-time buyers can qualify for a mortgage loan, but they may need help from parents to make the down payment or closing costs on their home. There are loan programs that minimize the down payment and closing costs for first-time buyers. These programs usually require that 3 to 5 percent of the purchase price come from the buyers' funds, not from a loan or gift. Most lenders ask for the last three months' bank records. The borrower will be asked to reveal the origin of any large deposits. If the money comes from the homebuyer's parents, the lender may not consider those funds when qualifying the buyers.
Parents who are planning to help their children finance a home should transfer any funds several months before the house-hunting process begins. If it is a loan rather than a gift, a formal re-payment agreement should be drawn up between parents and children to eliminate potential misunderstandings or future complications with either estate.
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| Q |
What tropical haven is back in vogue, attracting celebrities like Cher, Madonna, and Sylvester Stallone, who have homes here?
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| A |
Made up of 17 islands in Biscayne Bay, Miami Beach is the "American Riviera" and famous for its tropical beauty. |
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- NUMBER1EXPERTS™ 
