Helping you create lifetime memories as a first-time homeowner.
You are about to put some real roots down and invest in the stability of owning a home for you and your family. This is both an exciting and confusing time as you embark on one of the biggest decisions for your future. But I’m here to help
Three things to consider before you buy
Putting Roots Down
Renters can easily pick up and go, but homeowners who want to move must consider renting out or selling their property.
That’s why choosing the absolute best location for you is an important safeguard. It is important to look for a location that brings you joy and fulfills practical considerations.
Real Estate Risk
Ready, set, now what?
First-time homebuyers often wonder where to start. Should you speak with a real estate agent? Call your bank? Ask your parents for a loan?
I’ll help you find a loan that’s right for you. Some loans are geared for first-time homebuyers, with low or even zero down payments. If you’ve never bought a home, don’t be discouraged by the idea that you need to have a certain credit rating or a huge down payment.
What loans can a first time home-buyer qualify for?
I match my clients with a loan that best fits their goals and finances. While some first-time homebuyers choose a conventional loan, some need a mortgage with more flexible qualification requirements.
For first-time homebuyers, I often recommend loans insured by the government. Federal agencies back these loans which means lenders relax on some of their requirements.
Federal Housing Administration (FHA) Loan
- Low down payment
- Flexible income and credit requirements
- Adjustable or fixed rate
United States Department of Agriculture (USDA) Loan
- Approved for rural and suburban homes
- Interest rates are low
- Low closing costs
- Flexible credit requirements