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Find First-Time Home Buyer Specialists in Carmel-By-The-Sea, CA

Browse first-time home buyer specialists serving Carmel-By-The-Sea, California. Contact information and addresses listed below.

3 agents listed
Updated June 2026
Carmel-By-The-Sea, CA
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 3 first-time home buyer specialists in Carmel-By-The-Sea, 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.
The Ruiz Group | Real Estate
29251 CA-1, Carmel-By-The-Sea, CA 93923
(831) 877-2057 ruizgrp.com
Dillon Staples, Realtor
San Carlos St, Carmel-By-The-Sea, CA 93921
(831) 915-8030 dillonstaples.com
Lesley Shea, Realtor at The Agency
NW Corner of Ocean Ave &, Dolores St, Carmel-By-The-Sea, CA 93921
(831) 250-3950 lesleypenatershea.com

A first-time home buyer specialist in Carmel-By-The-Sea, California can guide you through the unique local real estate market and state-specific laws. California requires a mandatory disclosure package and a 17-day inspection contingency period for most residential sales. These professionals help you navigate financing options, including CalHFA down payment assistance programs.

What Does a First-Time Home Buyer Specialist in Carmel-By-The-Sea Cost?

Typical costs for a first-time home buyer specialist in California range from 2.5 to 3 percent of the purchase price for a buyer agent commission, often paid by the seller. Additional fees may include a flat fee for consultation services, usually between 500 and 1,500 dollars. Costs vary by case and are negotiated in the purchase agreement. This is general information, 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 Carmel-By-The-Sea?
A specialist helps you understand local market conditions, connect with lenders, and review California disclosure documents. They also explain state-specific requirements such as the Transfer Disclosure Statement and Natural Hazard Disclosure. Their role is to simplify the process for buyers new to homeownership.
Are there California-specific programs for first-time buyers in Carmel-By-The-Sea?
Yes, California offers the CalHFA MyHome program which provides a deferred-payment junior loan of up to 10 percent of the purchase price for down payment assistance. Monterey County also has local programs through the Housing Authority. A specialist can help you determine eligibility.

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