Buying a Home
Start with your budget and preapproval, then explore loan options, purchase costs, and the closing timeline.
Home Buyer
CHICO · PARADISE · OROVILLE · BUTTE COUNTY
Your Guide for Home Buyer Assistance and Information In Chico, Paradise, Oroville, and Every Corner of Butte County
A plain-language guide to common mortgage types, baseline requirements, and down payment assistance programs that may be available to Butte County home buyers.
START WITH A PLAN
You Don’t Need to Have It All Figured Out to Get Started
You don’t need to have a home picked out, your full down payment saved, or every document ready to begin planning. Start by understanding what monthly payment fits your life, what financing options may work, and what steps could help you prepare.
Build a Comfortable Budget
Look beyond the purchase price. Consider your monthly payment, everyday expenses, savings, and the costs of owning a home.
Understand Your Options
Your income, credit, savings, and goals help determine which loans and assistance programs may fit your situation.
Make a Plan at Your Pace
Whether you’re ready to buy soon or preparing for later, Jay & Alex can help you identify practical next steps.
FIND YOUR NEXT STEP
What Would You Like to Do Next?
View the Guides →
Down Payment Assistance
Compare local and statewide programs, who qualifies, and how repayment works.
Planning Calculators
Estimate payments and compare scenarios as you plan your next step.
Already Own a Home?
Explore refinancing, home equity options, and reverse mortgages.
Have a Question?
Browse common home buyer questions or talk with Jay & Alex about your situation.
LOCAL GUIDANCE
Talk with Jay & Alex
Get help understanding your options, building a budget, and planning your next step. You don’t need to have a home picked out to begin.