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First Time Home Buyers


Getting Started


  1. Prequalify for a loan
    • Determines how much house you can afford.  Factors for determining what you can afford include:

-         Gross income

-         Cash available for down payment, closing costs and cash reserves required by the lender

-         Outstanding debts

-         Credit History

-         Type of Mortgage

-         Current Interest Rates

    • Allows you to move quickly when you find the right house


  1. Shop for mortgage rates and terms
    • A mortgage broker is an intermediary between a buyer and a lender and the broker’s expertise is to help you find financing that you might not find yourself
    • Contact me if you need a recommendation for a mortgage broker


  1. Find a real estate agent
    • Legally responsible for representing the buyer’s interests in the real estate transaction creating a fiduciary relationship
    • Assist with financing process
    • Search for homes that meet buyer’s needs and objectives
    • Prepare and present offers to purchase and negotiate on buyer’s behalf
    • Provide guidance in acquisition of property
    • Facilitate the escrow process
    • Work together as a team with clear communication
    • You found your real estate agent – Gayle Pietras!