This is an exciting time, a milestone, a long awaited event; it also can be frustrating and demanding.

We pride ourselves on being able to assist the first time homebuyer in learning and understanding the process. We take the time to review the credit process and explain the various lender programs available.

The first step is to sit down and go through the pre-qualification process, most real estate brokers will be asking for this information prior to your viewing homes, this will give you a firm idea of what you can afford and enable you to write the purchase offer with the assurance that you can afford the home.

• Review credit history via a Credit Report, how and why they work
• Explain the different types of loan products available
• Explain, "loan to value", that is the amount of money being borrowed versus the value of the property
• Examine your debt ratio, which determines how much payment you can afford

When we have completed this step, you will have a better understanding of the loan process and products, which are available to you.

Next we will explain the various ways to start looking for that "special" house that will become your home. We will explain the different ways homes are marketed, whether the home is listed with a Realtor or is For Sale By Owner.

Next comes the Offer to Purchase procedure, we will review what you will see on the purchase contract.

Then we will go through the time line, from beginning to end, what is involved from the day of pre-approval to the day of the close on your new home and you move in.

We have links set up that you may find helpful in looking for your home, please visit them.

Please contact us for your personal "No Cost, No Obligation" appointment!!