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First Time Buyers

Are You Ready to Buy Your First Home?

  1. Job stability is imperative

  2. Request a copy of your credit report and fix any errors  

  3. You will need a down payment 3% to 10% of the sales price or 20% to avoid paying private mortgage insurance

  4. Start gathering documents-proof of employment, pay stubs and past tax returns, bank account statements from past 90 days, compile any previous addresses

  5. Research mortgages-get quotes from multiple lenders and compare, get a pre-approval letter!

  6. Determine what is most important to you-location, number of bedrooms, views

  7. Find a real estate advisor you can trust

  8. Preview homes

  9. Review the current market (seller’s market, buyer’s market) and sold homes that are comparable to the home you are interested in purchasing

  10. Write an offer

  11. Once a contract is ratified, (all parties agree to all terms IN WRITING) immediately contact your lender and email him/her a copy of the ratified contract. Provide the lender with everything they ask for as soon as possible

Let’s Work Together!

Buying your first home can be very exciting and overwhelming at the same time. My job as a realtor is to walk with you through the process and make it run smoothly. Contact me below for more information!

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