First Time Home Buyers

The "American Dream" of Homeownership Begins Here!

A home of your own is a significant investment in your future. In addition to practical considerations such as building equity and tax deductions, homeownership provides a sense of pride and peace of mind for you and your family.

First Things First

Most people begin their search for a home by visiting real estate websites, talking with friends and visiting prospective neighborhoods. But, before you get serious about viewing homes on the inside, you need to know how much you can afford. Mortgage pre-qualification is an indication of the monthly payment and the amount of mortgage for which you can qualify.

Hire a Realtor and Find a Home

Finding a realtor who knows the market and is worthy of your trust is an important part of a smooth first time-home buying experience. A brief realtor interview will enable you to learn about his or her experience and knowledge of the local market.

The Importance of Mortgage Approval Before You Buy!

More than pre-qualification, a mortgage pre-approval is a commitment to lend subject to your finding an acceptable home. A prior mortgage approval verifies income, assets and credit history and provides you with the opportunity to tailor a mortgage plan to meet your unique requirements. With a mortgage approval in hand you are in a more powerful position to negotiate with the seller and have the peace of mind that comes with knowing how much you need for closing and the monthly payment you can expect.

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