First Time Home Buyers

Have you been thinking about buying your first home, but don't know where to start?  I'm here to tell you how.

Step 1:  Get your finances in order. 

• Have on hand your tax returns, W2s, bank statements and pay stubs.   
• Have a little nest egg.  There are programs out there still where you only need as little as $1000 of your own money but the more you have saved, the better.

Step 2:  Make an appointment with a real estate lender. 

• If you don't know one, I'd be happy to refer you to someone I trust
• There you will get a pre-approval that tell you how much you can afford and will help you with negotiations further down the line.

Step 3:  Come see me, your trusted Realtor.

• I will walk you through the process of choosing a home and take you the rest of the way through your purchase.

If you would like a more comprehensive guide I will send you one, free of charge!  Just shoot me an email or give me a call.

Today's Market

Most common question I get everyday- How's the real estate market?

My resonse- It depends!

People hate to hear that, but it is true, it really does depend. It depends who you are, a buyer or a seller, and what you are looking for. If you are a buyer, the market is great! Interest rates are at historic lows, home prices are down, there truly has never been a better time to buy. If you are a seller, it depends again. Most of the time I would say don't sell unless you have to. Just hold tight and maybe refinance into a new lower rate if possible. But sellers can also be buyers, if have a need to move and have the ability to sell, they too may by able to take advantage of the great buyers market and get a great deal on your next home.

So what is holding the market back? In my opinion it's the lack of First Time Homebuyers. First time buyers fuel the market. When they purchase a home it allows others to be move-up buyers and so on. My conundrum is what is holding them back?! With the market so primed for FTHBs, I can't believe they aren't knocking down the doors to purchase their first home! I think there are a lot of misconceptions with home financing these days. There are still programs out there for people who don't have a huge down payment, there are even ones out there that all you need is $1000 of your own money! You don't have to have "perfect" credit. But you do have to be responsible and be able to afford your monthly payments.


Today's market is volitle but there are deals to be had. And with my help, buyers can turn the american dream of home ownership into a reality.