Buying your first home in Redding and Shasta County
Most lenders define a first-time buyer as someone who has not owned a home in the last three years, so you may qualify even if you've owned before. Start by talking to a lender about pre-approval, then we look at homes together.
The steps, in order
- Get pre-approved with a mortgage lender.
- Look at homes with a buyer's agent who works for you.
- Make an offer and negotiate it.
- Once the offer is accepted, you put down your deposit.
- Do the home and pest inspections.
- Negotiate repairs or credits, or renegotiate the price, based on what the inspections find.
- Close escrow.
Draft page: program details (CalHFA, FHA, USDA, county assistance) are added only after each is verified against its official source and dated.