New Home-Buyer 101

Do you want to buy a new Home now, or in the near future?  I help clients achieve this everyday.  Far too many clients are repeatedly misinformed about what needs to take place in order to qualify for a home loan in the current market.  Local and national banks not only offer sub-par programs and rates, but require 10-20% for a down-payment and spotless credit as well, thus limiting the ability of many possible buyers.  Don’t get discouraged if you have fallen into this group before or think you will.  I have access to 100% 30yr fixed loan programs  funded by government, and FHA sponsored programs that minimize the requirements for a down-payment!  Yes even in today’s market.  Really!

Step 1: “Most Important”  Get your FREE Outline and Credit review.  Far too many people find the house they want  first then try to obtain financing, which leads to numerous problems in the underwriting process. Don’t let this happen to you too.  I provide clients with a detailed outline and help for what is required upfront to get your loan pre-approved and CLOSED!  Even if your credit scores are not above a 620 I will work with you along with the help of a credit restoration company used by multiple clients of mine.  We have unparalleled success in fixing credit issues and getting you ready to buy a home. 

Step 2: Get your preliminary loan approval solidified.  Once we have an outline for what a comfortable payment would be for you, and your credit in-line with requirements we will establish your intial approval with the lender.

Step 3:  Now go find that Home you love.  I work with established real estate agents that have the experience I suggest for my clients.  Having an agent that knows your area well, and has the communication needed helps immensely in the process. The experience they bring to the table will ensure you are getting a great home that is move-in ready and solid.  Eliminating any future headaches.

Step 4:  I will guide and handle for you the final items required to “Close” on your loan and move into your new Home!

How many times have you heard stories of friends, family, or co-workers having set-backs in the loan process or being denied?  Unfortunately I meet too many clients that have had this happen to them prior to contacting me.  On average the process takes only 30 days for established buyers once they settle on a home they love.  Those that require restoration or improvement to their credit take longer depending on the extent of restoration needed, but is achievable with a dual effort.  Either way I will help you navigate the market personally.  

Take action now. Get your questions answered and start your FREE outline towards a new home.  I look forward to helping you