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Answers (10)
- Wes Black
- Contributions:509
There are both federal and state programs to help first time home buyers. Investigate fully with a realtor and lender soon.
- Elibarks
- Contributions:1
If I were you, I would contact Kay Basta at Summers Reality in the Maplewood/Richmond Heights area. As a first time buyer, Kay was fantastic at helping my mother (a retired life-long realtor) and I ( a first time home buyer) with buy a home. You're right. There is some much to know that you would be smart to get Kay to help you through every step. We're very, very happy with the house, the neighborhood and the service.
Kay sells many, many homes in the area and is well known for her honest and truthful work.
Good luck with Kay!!!
Kay sells many, many homes in the area and is well known for her honest and truthful work.
Good luck with Kay!!!
- Tug of War
- Contributions:1947
When new to a Forum Reading it's Guidelines/Policy it is always the wise and respectful thing to do............ imo
Good Neighbor Policy.
"Spam, advertising, or self-promotional content is not allowed in Zillow Advice. This includes, but is not limited to, any contact information such as phone numbers, email addresses, or website URLs?
- Terry Peterson, "tlpeters123"
- Contributions:1
[Content deleted by Zillow Moderator for being self-promotional]
- Tug of War
- Contributions:1947
Everyone should read the Information on the Department Of Justice
Anti-Trust Division Web Site about all the options Consumers actually have
New business models are emerging that allow consumers to save thousands of dollars when they buy or sell a home
First Time Home Buyer Info about the Process & Excellent Info/Resources for any Buyer including Links to Local Homebuyer Classes ..
From Hud...Buying a Home
Provided by the Federal Gov..Find the Right Loan, you can search for specific information, compare options, or take a short questionnaire to determine your eligibility for each program. GovLoan.com
REO-Bank Owned Properties
Many Banks have created Sites for the Public to use (For Free) to view and find Information about the Properties they have Listed for Sale
Sites Like..Bank of America...Wells Fargo
You can find links to Bank sites here...Link
The Fed Gov has Sites for its Properties for sale
HUD Homes...Fannie Mae
You can find the links to all the Gov sites here...Link
Public Records..Including Foreclosure/Tax Lien/Tax Sale Info
All Free & all the Info direct from your State/County/local gov.
Check Out Public Records Directory
Good Luck
Anti-Trust Division Web Site about all the options Consumers actually have
New business models are emerging that allow consumers to save thousands of dollars when they buy or sell a home
First Time Home Buyer Info about the Process & Excellent Info/Resources for any Buyer including Links to Local Homebuyer Classes ..
From Hud...Buying a Home
Provided by the Federal Gov..Find the Right Loan, you can search for specific information, compare options, or take a short questionnaire to determine your eligibility for each program. GovLoan.com
REO-Bank Owned Properties
Many Banks have created Sites for the Public to use (For Free) to view and find Information about the Properties they have Listed for Sale
Sites Like..Bank of America...Wells Fargo
You can find links to Bank sites here...Link
The Fed Gov has Sites for its Properties for sale
HUD Homes...Fannie Mae
You can find the links to all the Gov sites here...Link
Public Records..Including Foreclosure/Tax Lien/Tax Sale Info
All Free & all the Info direct from your State/County/local gov.
Check Out Public Records Directory
Good Luck
- Jim Fong, "Jim Fong"
- Contributions:9
It is always best to consult a realtor to help you find the what matches to your needs and possibly contact other professionals (like lenders, etc.) that can get you going with your dreams of buying home a reality.
Its the best time to make that move now since we have low mortgage rates and the house prices are at low. Just for an instance, here in LV, you can find one of the best markets offering reasonable home prices and many home buyers, not to forget, investors are jumping on that opportunity.
Its the best time to make that move now since we have low mortgage rates and the house prices are at low. Just for an instance, here in LV, you can find one of the best markets offering reasonable home prices and many home buyers, not to forget, investors are jumping on that opportunity.
- Sharon Patterson
- Contributions:44
Try googling "first time homebuyer assistance in Your States Name" and see what comes up.
In Colorado they have CHFA (Colorado Housing and Finance Authority) which offers financial assistance as well as excellent classes for first time homebuyers.
Hopefully your state has something similar.
You might also contact some mortgage brokers to see if they know of any programs. Not all mortgage companies in CO offer CHFA. Mortgage Brokers at banks may also be able to help.
- Kristen Peterson-Pask, "Kristen Pask"
- Contributions:6
Some banks offer programs and if you know the area you would like to buy in there may be some programs for the neighborhood you want to be in.
Good Luck! Now is a great time to invest!
Good Luck! Now is a great time to invest!
- Sharon Lewis, "Sharon Lewis"
- Contributions:3916
There is so much information out on the internet these days about how to buy a house, most real estate agents have it on their individual sites, zillow has advice in the Home Buying columns here, so great advice if you can take some time to go through it. I would always suggest you work with a Realtor to help you. If you need one , first ask your friends and family who they use and if you can't find one that way, pull down the Professionals tab here on Zillow and search for one in your area, look at their reviews and their contributions to Zillow. You can also click on any of our names and we can refer you to one. Congratulations on doing this. And yes, talking to someone about getting a loan is the first step. Identify the neighborhood you would like to live in, spend some time there, on weekends, see if you like the way it is, talk to the neighbors.
best of luck to you!
best of luck to you!
- Dan, "the_country_hick"
- Contributions:4694
Take a look at the links below.
This can help you figure out if renting or buying is the best choice for you. It simply shows how to look at the numbers.
"Does it make more sense to buy, or to rent? Here is the way to find out for sure."
This gives some not so obvious reasons why renting can make more sense depending on your individual circumstances.
"Why rent if you could buy for less money? Valid reasons inside."
This gives the basic home buying process.
"Its your first home and you are looking for something but are not sure where to start to look or about loans."
If you will be awhile before you can buy a house this shows some solid steps to take to make it happen.
"I want to buy a house. It will be at least one year before I am ready to buy. What should I do now to prepare myself?"
As far as being able to get a loan why not talk to a bank, credit union, or mortgage lender near you? Just remember you should have a magic number in mind before they tell you what you can afford. If you know you can really only afford to spend $500 a month do not listen if they say you can get a loan for $800 a month. Start with what is really affordable for a monthly payment and then see what it can buy.
I would NOT recommend getting an ARM mortgage. In time it will adjust up and cost more each month. It could even cost so much more you would lose the house. Get a fixed rate mortgage so you know what your payment will be into the distant future. Even then taxes, insurance, electricity, and heat could easily cost more every year.
If the links above were helpful click on my zillow profile for more useful information.
This can help you figure out if renting or buying is the best choice for you. It simply shows how to look at the numbers.
"Does it make more sense to buy, or to rent? Here is the way to find out for sure."
This gives some not so obvious reasons why renting can make more sense depending on your individual circumstances.
"Why rent if you could buy for less money? Valid reasons inside."
This gives the basic home buying process.
"Its your first home and you are looking for something but are not sure where to start to look or about loans."
If you will be awhile before you can buy a house this shows some solid steps to take to make it happen.
"I want to buy a house. It will be at least one year before I am ready to buy. What should I do now to prepare myself?"
As far as being able to get a loan why not talk to a bank, credit union, or mortgage lender near you? Just remember you should have a magic number in mind before they tell you what you can afford. If you know you can really only afford to spend $500 a month do not listen if they say you can get a loan for $800 a month. Start with what is really affordable for a monthly payment and then see what it can buy.
I would NOT recommend getting an ARM mortgage. In time it will adjust up and cost more each month. It could even cost so much more you would lose the house. Get a fixed rate mortgage so you know what your payment will be into the distant future. Even then taxes, insurance, electricity, and heat could easily cost more every year.
If the links above were helpful click on my zillow profile for more useful information.
Firt time home buyer program..
I'm really looking to purchase a home in the late summer somewhere around the months of June/July i know first i need to get preappoved for a loan i just don't know all the necassy steps..do you have any advisr r better is there a class that i can take?
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