FIRST TIME HOME BUYER GUIDE

First time? No worries, I’ve got you covered.

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STEP ONE

TAKE A LOOK

1. take a look

This is the time to get in your car and actually start driving through all the areas you think you want to be in. Pay attention to the details — they can tell you a lot about the lifestyle of each area.

 
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STEP TWO

2. why buy

There are a lot of pros to owning a home — but it isn’t always the right decision for everyone. This is time to get real about why you want to own a home. If it’s not the right time you may want to consider renting in the area you love.

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STEP THREE

5. budget

The Pre-Approval process will determine how much money a bank is willing to lend you to purchase a home. But you need to pay attention and monitor your actual spending habits so you have a good idea of what payment you can really spend each month.

 
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STEP FOUR

 
 

4. consult a lender

It may feel pre-mature, but your lender is going to be your gateway to owning a home. While a Realtor® can help you find a house — your lender will help you buy a house. The finance industry is complex and ever-changing and there are more menu options for financing a home than possibilities at Starbucks and every tweak can offer a different outcome. You also don’t want to start truly house hunting without a pre-approval letter from your lender because many sellers won’t accept an offer to purchase without one.

 
 
 

The Pre-Approval process determines

  • what you can afford

  • what kind of down payment you need

  • How your credit score affects lending options.

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STEP FIVE

 

5. HIRE A REALTOR®

Obviously, at this point I’ve already dazzled you with my business skills and personality so now it’s time to make it official and sign an exclusive buyers agency agreement so I can begin securing your new home for you.