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All agents are NOT alike! Find out why I am a top real estate expert. Call me: 650-996-5217.
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I add my newest homes and other real estate listings to this web site first. It can be some time before they appear in the MLS.
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Competent, Caring and Congenial
"Besides finding us a great house, there were many other services that Kay provided that make working with her so special.”
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Real Estate Resources:
Special Offers - Special offers for San Mateo, Half Moon Bay, El Granada and Moss Beach homeowners from Kay Burns. Affiliates - Kay Burns' real estate web site affiliates. Mortgage Calculator - Quickly calculate how much your monthly and total payments will be with this calculator provided by Homes.com. Top National Real Estate Web Sites - Real Estate Web Sites that include some unique sources of realty information, listings, and more. Ask Anything - Ask Kay Burns anything real estate. Real Estate Tips - Kay Burns' realty library of real estate tips and advice on everything from preparing your home for sale to negotiating with home buyers to escrow, closing costs, property inspections, and mortgage brokers. Real Estate Trivia - Kay Burns' collection of real estate trivia questions and answers that include real estate topics such as the most expensive home, largest swimming pool, and more. Real Estate Dictionary - Complete real estate dictionary and glossary of realty words you'll use when you list and sell your San Mateo, Half Moon Bay, El Granada and Moss Beach property in California, including legal terms definitions, and more. Go to Main Sitemap - Main sitemap sections include Find San Mateo, Half Moon Bay, El Granada and Moss Beach Homes, For Home Buyers, For Home Sellers, San Mateo, Half Moon Bay, El Granada and Moss Beach Information, Real Estate Resources, and About Kay Burns. 
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First Time Buyers >More Down Payment Help
One of the most common deterrents to first-time home buyers is the lack of a down payment. However, the home loan industry has practically re-created itself in the last ten years, making it easier than ever to obtain a mortgage, and new mortgage programs are always cropping up.
Some states sponsor loan programs that allow buyers to purchase a home without putting any money down. A parent or other relative can guarantee repayment of ten percent of the loan if the buyer defaults. The only cash needed is for the closing costs, which typically run about three percent of the loan. Parents can also give their children down payment help through a personal note or second trust deed. The terms can be set up for monthly payments or annual payments amortized over a period of time. You could pay the interest only, and have the payoff due when the property is sold.
With so many alternatives, doesn't it make sense to call your real estate agent for a free consultation? You may be closer to home ownership than you think.
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| Q |
What does the abbreviation PITI stand for?
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| A |
Principal, Interest, Taxes and Insurance are the four major items included in a monthly mortgage payment. |
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