Mortgage Preapproval in Chico and Butte County
Prepare before choosing a home, build a budget, and understand the documents and review behind a useful preapproval.
Home Buyer
CHICO · PARADISE · OROVILLE · BUTTE COUNTY
First-Time Home Buyer Guides for Chico and Butte County
Start with a comfortable budget, prepare for preapproval, and explore the costs and steps of buying your first home.
Find the Guidance You Need
Down Payments, Closing Costs, and Prepaids
Understand savings, down payment sources, seller credits, deposits, and the cash needed to buy a home.
Comparing Mortgage Options and Loan Costs
Compare loan types, mortgage insurance, Annual Percentage Rate, points, and rate locks.
The Homebuying Process: A 30-Day Escrow Example
Follow the steps from application and an accepted offer to inspections, contingencies, signing, recording, and keys.
Down Payment Assistance in Butte County
Compare local and statewide assistance programs, eligibility, and repayment terms.
Start Before You Find a Home
You don’t need to have a home picked out. Begin with your application and a budget, get preapproved, then shop and make an offer. Once your offer or final counteroffer is accepted, escrow begins.