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First Time Home Buyer’s Guide – What You Need to Know Before You Buy
19th May 2009
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Free- First Time Home Buyer’s Guide
I’ve been saying it a lot lately, this is the year of the first time home buyer. The stars have aligned in a way that makes buying a home now more affordable than it has been in years. Not only are home prices the lowest they have been in a long, long time, but mortgage rates are down at levels we haven’t seen since the 
fifties (when your grandparents were buying their first homes). Combine that with FHA financing where you can still buy with a low down payment (and sometimes no money out of your own pocket) and an $8,000 tax credit when you buy, and this is a great time to be buying your first home. That said, it is also a scary time to buy. The news on the economy is bleak, and the entire mortgage and real estate market has gone through a whole tsunami of changes. You’ve probably heard that it is harder to qualify for a mortgage now. It’s true that the easy loans of the past are gone and good FICO scores are now more important than ever. The loan process is more complicated and if you don’t know what you are doing it is easy to make mistakes. But, if you know what to look for and how the process works, buying a home will be a lot less stressful and you will know what to do to save yourself money. That is why I wrote The Real World Home Buyer’s Guide.
First of all, this is a free guide. Not only is it free, but I’m not asking for your email address or phone number. Click on the link (or the image of the book) and it takes you right to a PDF of the E-book, which you can print out or save to your desk top. My philosophy has always been to help educate clients and I’ve found that most people are hungry for good solid information that helps them meet their goals. That is how I’ve approached this blog, and it is the same idea behind this home buyer’s guide. I tried to make this guide as complete as possible. It covers everything from the advantages of buying a home, to what happens at the closing. Because it is so thorough, it is a long report – 55 pages. I know that some people will read it all straight through, others will skip to the parts that answer their specific questions. Either way it is a resource, and something that every potential home buyer should have.
Some of the information covered in this 55 page, free guide includes:
· Why owning your own home is a big step toward taking control of your finances.
· How to get the best deal – good market or bad.
· How your credit score affects your home buying options, and ways to raise your credit score.
. A breakdown of what loan programs are available, and what is best for first time home buyers.
. A primer on FHA – which is now the hottest loan on the market.
· How to use Government Grants that are guaranteed to save you thousands of dollars.
· Things to avoid after being pre-qualified for a mortgage.
· What you need to know when choosing your Realtor.
· What to ask for when negotiating your purchase to save thousands in closing costs.
· How you can still buy a home with no money down and no money out of your pocket.
· The best ways to protect yourself from being taken when shopping for a loan.
This guide covers everything you need to know about searching for a home and getting a mortgage, and the information is current and up to date. If you are even thinking about buying a new home this will help.
Free- First Time Home Buyer’s Guide
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