Skip to main content

First-Time Home Buyer Specialists in Half Moon Bay, CA

Directory of first-time home buyer specialists in Half Moon Bay, California. Verify credentials with the state state mortgage licensing authority before hiring.

15 agents listed
Updated June 2026
Half Moon Bay, 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 15 first-time home buyer specialists in Half Moon Bay, 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.
Ocean Element Real Estate
643 Main St, Half Moon Bay, CA 94019
(650) 338-1133 oceanelement.com
Kulda Group Real Estate | Keller Williams | Powered By PLACE
200 San Mateo Rd, Half Moon Bay, CA 94019
(650) 560-8663 kuldagroup.com
Keller Williams Realty Half Moon Bay - Glen Mitchell Group
574 Kelly Ave, Half Moon Bay, CA 94019
(650) 646-7541 gmgroupbayarea.com
Stephanie Sills | REALTOR® | COMPASS | Half Moon Bay Real Estate
42 Cabrillo Hwy N, Half Moon Bay, CA 94019
(650) 678-5707 stephaniesillsrealty.com
Joakim Bye, Ocean Element Real Estate
643 Main St, Half Moon Bay, CA 94019
(650) 284-2080 oceanelement.com
Ocean Element Real Estate - Mishelle Westendorf
155 Broadway Main Street, Half Moon Bay, CA 94019
(559) 681-5477 mishellewestendorf.com
Shanti Minkstein
42 Cabrillo Hwy N, Half Moon Bay, CA 94019
(650) 350-0440 realestatebyshanti.com
Frank Vento: Intero Real Estate Services
213 San Mateo Rd STE 100, Half Moon Bay, CA 94019
(650) 888-9900 frankshomesearch.com
Ocean Element Real Estate: Rebecca Jackson
643 Main St, Half Moon Bay, CA 94019
(650) 489-9762 oceanelement.com
Lucy Gillies
155 Broadway, Half Moon Bay, CA 94019
(650) 208-2063 oceanelement.com
Compass Real Estate
42 Cabrillo Hwy, Half Moon Bay, CA 94019
(650) 712-1199 compass-halfmoonbay.com
Intero Real Estate Services
213 San Mateo Rd STE 100, Half Moon Bay, CA 94019
(650) 931-8300 interorealestate.com
Nate Serdy - REALTOR© Compass - #1 Coastside Realtor
42 Cabrillo Hwy N, Half Moon Bay, CA 94019
(650) 440-9510 theserdyteam.com
Brittanie Zets Realtor
213 San Mateo Rd STE 100, Half Moon Bay, CA 94019
(408) 806-5977
Parker Nishkian
643 Main St, Half Moon Bay, CA 94019
(650) 284-3443

A first-time home buyer specialist in Half Moon Bay helps you navigate the unique challenges of buying a home on the California coast. These professionals understand local market trends and California-specific programs like the CalHFA MyHome assistance loan. They guide you through the entire process from pre-approval to closing.

What Does a First-Time Home Buyer Specialist in Half Moon Bay Cost?

First-time home buyer specialists in California typically charge a flat fee or a percentage of the loan amount. Flat fees range from 500 to 1,500 dollars. Percentage-based fees are usually 1 to 2 percent of the loan. Some specialists offer free initial consultations. Costs vary based on loan complexity and property location. 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 Half Moon Bay?
A specialist reviews your finances, explains California down payment assistance programs, and helps you find a mortgage. They also coordinate with local real estate agents and escrow officers. Their goal is to make your first home purchase smooth and informed.
What California programs help first-time buyers in Half Moon Bay?
California offers the CalHFA MyHome and CalHFA FHA programs which provide down payment and closing cost assistance. These loans are for first-time buyers and have income limits. Half Moon Bay buyers may also qualify for local county programs.

First-Time Home Buyer Specialists in Other California Cities