Ventura County Buyer FAQs

Ventura County Buyer FAQs

When you're buying a home, especially if it's your first home, you have lots of questions. Don't worry--we have lots of answers!

When I start visiting homes, what should I be looking for the first time through?

Is an older home as good a value as a new home?

Do I need to bring anything along when I'm looking at homes?

What should I ask The Humphrey Team about each home that I view?

What should I tell The Humphrey Team about the homes I view?

How many homes should I look at before I buy?

What should I think about when I'm deciding which community I want to live in?

Where can I get information about local schools?

How can I find out what homes are selling for in a given neighborhood?

I'd like to have a professional look at the home before I buy it. What does a home inspector do?

Should I be present during the inspection?

Do I need to talk to my insurance agent?

What's "earnest money," and how much do I need?

Is there any way I can protect myself against emergency repair bills in my new home?

How do I determine the amount of my initial offer?

If I'm moving a considerable distance, is there any way I can gather information before I start traveling?

Should I move myself or use a moving company?

What is a mortgage, and what are the benefits of different kinds of mortgages?

What are the different types of lenders, and how do I choose the right one for me?

Are there any mortgages especially designed for first-time buyers?

Can I get an FHA or VA mortgage?

How much of a down payment will I need to buy a home?

How does a lender determine the maximum mortgage I can afford?

What are the steps involved in the loan process?

What are points?

What is APR, and how is it calculated?

What is a good faith estimate?

What does my monthly mortgage payment include? And what does PI and PITI stand for?

What are the respective advantages of 15-year and 30-year terms?

Do adjustable rate mortgages offer any protection against rising rates?

How can I find out what my property tax bill will be?

What can I do if I have a fixed rate loan, and interest rates go down?

What is the difference between pre-qualifying and pre-approval?

Can I pay off my loan early?

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The Humphrey Team

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Westlake Village, California 91361
Phone: (805) 499-8000
Fax: (805) 494-6893
Email: Homes@HumphreyTeam.com

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