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First Time Home Buyers

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.

Where do you start?

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

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.

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.

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. 

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.

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

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