Top Mortgage Questions Primary Home Buyers Ask in California

Primary home buyer mortgage questions in California usually start with affordability, down payment, credit score, cash to close, and pre-approval. This page answers the top 10 mortgage questions primary home buyers ask and links to detailed guides for each topic so you can understand your options before making an offer.

These questions are especially important for California home buyers because monthly payment, property taxes, homeowners insurance, loan type, and closing costs can vary significantly by city and county. Use this guide as a starting point, then review each detailed page for examples and next steps.