Dreaming of owning your first home? Tired of paying someone else's mortgage and shoveling out rent for a home or apartment that doesn't feel like yours? Take charge, changing from renter to homeowner may be easier than you think. We're here to help.

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Where do you start?

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First of all, learn the financing basics. Get pre-approved and become a smart shopper.

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When you buy your first home, making monthly payments probably won't be a problem. After all, you're already paying rent to your landlord each month. It's coming up with the lump sum needed for a down-payment that may seem impossible. Fortunately, there are options to make buying your first home a happy reality.

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Programs for first-time buyers. There are several local or federal government programs that help first-time buyers get into the housing market. Programs such as FHA, VA, and USDA can help you get financing for your home. Ask us about these options.

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Your lender. Your bank or credit union may help as well. Are you debt free and own something free and clear, like a car? Your lender may lend you the down-payment by securing it against this asset. Let us know if you would like us to recommend a great loan officer to help you get started. 

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Need financial solutions?

 

Credit or tax problems. Do you have problems with your credit rating or owe money in taxes? Buying your first home is still a possibility. Check with your lending institution about options, such as paying a higher down-payment.

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If necessary, contact a credit advisor, financial advisor or tax resolution service.