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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First Time Homebuyers: Monterey Peninsula, Pebble Beach and Carmel California home buying, real estate listings, and homes for sale in Monterey County, CA

Welcome > For Buyers > First Time Homebuyers ...

Buying Your First Home? REALTORSŽ Are Your Professional Guides. Make Sure You Choose Top Experts.

You might be a bit afraid or intimidated by the whole process of buying your first home. As top Monterey Peninsula, Pebble Beach and Carmel real estate experts, it's our job to guide you, from beginning to end.

We will take the time to go through each and every step of the buying process. There are no dumb questions!

Together, we will consider:

- How much can you really afford?

- How to qualify for a mortgage.

- How much cash you should put down.

- How to buy a home with little or nothing down.

- What it takes to get approved for financing. What banks and other financial institutions are looking for.

- How much your payments will be.

- The tax advantages of buying.

- Is renting or buying better for you?

Tell us a bit about your situation below. We'll get right back to you. There is absolutely no charge, and we offer this to you with no strings attached.

New to the home buying process? Tell us your concerns. Ask us questions. It's our job to help! There's no obligation, and we promise to get back to you quickly...

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Financing Your Home >Hybrids Offer Low Rates

In the field of home financing, "hybrid" mortgages have grown in popularity with homebuyers. With interest rates gradually rising in today's market, the hybrid mortgage product saves money, provides a period of fixed-rate security and helps buyers qualify for financing.

Hybrid mortgage loans offer a very low fixed-rate for a period of time, usually from 5 to 7 years, then revert to an adjustable rate mortgage (ARM) for the remainder of the term of the loan. The interest rate is typically lower than with a 30-year fixed-rate loan, and the borrower has the assurance that the rate will not change for a period of years. Such a loan works well for buyers who plan on reselling the home within a finite period.

Other specialty mortgages now available include an ARM loan with a provision allowing it to be converted to a fixed-rate loan when that is a practical step for the borrower. Still others offer an interest-only loan that requires payments to be made on the interest only for a specified number of years, then reverts to an amortized loan with interest and principal payments each month. Consult with an experienced mortgage professional to determine whether one of these loan products will meet your needs.

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Q	What is the least affordable metropolitan housing market in the United States?
A	California's Los Angeles-Long Beach-Glendale is currently rated as the most expensive metro area in the nation.
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Ben and Carole Heinrich, REALTORŽ, real estate agents and broker for Monterey Peninsula, Pebble Beach and Carmel California home listings, property and land for sale - NUMBER1EXPERT(tm)

Ben, Carole & Grant Heinrich
Coldwell Banker Del Monte Realty
3775 Via Nona Marie
Carmel, CA. 93923
Toll Free: 800-585-6225
Office: 831-626-2432
Ben: 831-626-2434
Carole: 831-626-2452
Grant: 831-521-4486
Email: bcheinrich@NUMBER1EXPERT.com
Ben & Carole Heinrich have been serving the Monterey Peninsula, Carmel Valley and Big Sur since 1977. Their son, Grant, recently joined them bringing his wealth of technology information. Clients have benefited from their teamwork approach to the business and their extensive experience in mortgage brokering, financial planning, skilled negotiations and exceptional marketing. The Heinrich's are extremely qualified to assist in your home buying or selling experience. With the trust and confidence from their clients, they have received the International Presidents Premier designation, which is an award that is presented to only the top 1% of Coldwell Banker sales associated internationally.

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