Compare First-Time Home Buyer Specialists in Santa Rosa, CA
Directory of first-time home buyer specialists in Santa Rosa, California. Verify credentials with the state state mortgage licensing authority before hiring.
Important: Listings are compiled from publicly available sources and have not been independently verified by BeforeMortgageUSA.com. We do not endorse any broker or guarantee outcomes. Verify licensing and disciplinary status with the
State Mortgage Licensing Authority of California before hiring.
Showing 18 first-time home buyer specialists in Santa Rosa, CA
Listings are displayed in no particular order and are not ranked by BeforeMortgageUSA. Order does not constitute a recommendation or endorsement of any broker.
What Does a First-Time Home Buyer Specialist in Santa Rosa Cost?
The cost for a first-time home buyer specialist in Santa Rosa typically ranges from 2.5 to 3 percent of the purchase price, paid by the seller in most transactions. Some specialists charge a flat fee between 3000 and 8000 dollars for consulting services. Additional costs include the California documentary transfer tax of 0.11 percent of the sale price and escrow fees. This is general information and not mortgage or financial advice.
* Cost estimates are general ranges based on publicly available data and compiled using automated research tools. Actual fees vary by agent and case complexity. This is not mortgage or financial advice — consult directly with an agent for fee specifics.
Frequently Asked Questions
What does a first-time home buyer specialist do in Santa Rosa?
A first-time home buyer specialist helps you find and finance your first home. They explain local market conditions and California specific requirements like the California Homeowner Bill of Rights. They also connect you with approved lenders and down payment assistance programs.
What California programs help first-time home buyers in Santa Rosa?
California offers the CalHFA MyHome and CalHFA FHA programs for down payment assistance. Sonoma County also provides the First-Time Home Buyer Assistance Program with up to 10 percent of the purchase price as a deferred loan. These programs have income and purchase price limits that change each year.
How do I qualify as a first-time home buyer in California?
You generally qualify if you have not owned a home in the last three years. California law also considers a displaced homemaker or single parent who owned a home only with a former spouse as a first-time buyer. You must meet income limits and complete a home buyer education course for most state programs.