Profile picture for user5565187

who can help me with finding out what i need to buy a home?

My husband and I would like to buy a house but have no idea how to go about any of it. We live in Maine and would like to stay around a spacific area. We are 20 years old and have a 3 month old and dont want to jump from apartment to apartment. I have heard about the first time maine home buyers stuff but have to clue where to start if somone can point me in the right direction or just tell me what i need i would really apprectiate it. Thank you!

  • July 08 2012 - Whitefield
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Answers (8)

Hi!

I just wanted to check in - did you end up finding an agent in Maine? I am more than willing to help if you still need it..

Thanks!
Maureen
  • September 19 2012
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Profile picture for Robyn The Realtor
How exciting to be considering your first home!
You need not feel worried or scared about the process.
a great Realtor can be your tour guide and help with you starting and every step after that.

Google your area and make a few calls.  Be sure you find someone that you feel will listen to your needs and wish list.  Someone you are comfortable telling your story to.  Then let them work for you. 
Not only can the help with the process, finding the house, etc., but they can give you guidance on the other professionals you will need:  inspector, lender, and so much more. 

Now, relax and enjoy! 
Robyn the Realtor in Texas
  • July 16 2012
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First, find a great local real estate agent to work with. They will get you a qualified loan officer and get the whole process started. Find a local PRO who does business and volume. Good luck!
  • July 15 2012
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The first thing you need to do is get preapproved by either a mortgage broker or your bank or any bank.  They will go through a process with you whereby they will tell you how much house you can afford to buy and what is available to first-time homebuyers.  After you have been preapproved for X number of dollars, that is the time to contact a real estate agent.

Google agents in your area.  Read their bios, their reviews, testimonials and talk with them.  Find someone you like and trust.  You will be in a working relationship with this person so this important.  

Once the agent knows what you are preapproved for, they will show you properties that fit within your budget and guide you through the rest of the transaction to closing.

Good luck!
  • July 15 2012
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Profile picture for Peter Leeds
Good afternoon:

Great ideas you have; the first step is always to make the decision to become a home owner; some people miss that step for years!

That said, I suggest two advisors who will be of absolute importance.  A mortgage officer will show you what you need to do for qualifying for a loan and for helping you find the right loan.  A real estate agent working FOR YOU can will help you find the right home for you and your family.

Good luck moving forward.  And I love the state of Maine and think it could be the place I settle for my elder years!

Peter
  • July 09 2012
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Profile picture for Dunes ..
Become Informed..do some basic research

This is a HUGE Financial Decision and choosing a Legit Competent Lender or RE Agent is important/critical....so do not be Lazy or foolish or uninformed

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

Hud Site..
Read this info and read it again, check out the Links/Resources...First Time Home Buyer Info about the Process & Excellent Info/Resources for any Buyer..Buying a Home


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, loan programs ect..
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

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


Public Records..Including Foreclosure/Tax Lien/Tax Sale Info
All Free & all the Info direct from your State/County/local gov.
Example: California - Foreclosures and Tax Lien Sales

Be Smart Shop Smart & Good Luck
  • July 09 2012
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Charlene is correct. First step is to find out what you qualify for. Talk to a local lender or mortgage broker, who will review all of your financial info and
determine what you qualfy for. (Keep in mind that what you qualify for, and what you're comfortable with may be two different things).

Then you'll need to find a REALTOR to work for you as a Buyer's Agent. He/she will be able to search the local MLS for properties that fit your search criteria and budget.  Your agent will also walk you through the entire process of buying a home from writing the contract, to inspection, appraisal, to closing.  Good luck!
  • July 09 2012
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Maine State Housing has some great information for first time home buyers.   Go to http://www.mainehousing.org/ and look at the home buyers section to start

The most important thing you can do is find out whether you are qualified for a mortgage and how much you can afford.  Once you know that, find a realtor who will take time to understand what you want/need and help you locate the right property.

I am happy to help you through the process if you want to move forward!  Feel free to email me  [Email deleted by Zillow  moderator.  Please see our Good Neighbor Policy for posting guidelines]
  • July 08 2012
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