Don't Know Where To Start The Process?

July 4, 2015

Ultimate First Time Home Buyer Guide

Many first time home buyers ask me "Where do I start?" Spring will be here before you know it and you must start the home buying process at least 3-6 months prior to purchasing a home. The first thing you must do is educate yourself as much as possible about buying your first home. I just finished my most recent edition of ‘Ultimate First Time Home Buyer Guide’ which is a must read. I know you are busy and it is hard to read a book from start to finish but you need to arm yourself with all the information possible because loan guidelines are stricter and loans are getting tougher to close. Also, it is more of a seller’s market now which means you better get pre-approved and you need to have a pre-approval letter in your hand before you start house hunting.

I would like to explain to you why you must read ‘Ultimate First Time Home Buyer Guide’. You can download the FREE ebook and save it your desktop for by Liking Us at In the first chapter, I go into the benefits of owning versus renting and why you need to stop paying your landlord’s mortgage. In the second chapter, I go through all the steps in buying your first home. Don’t you think that this information may be extremely useful when making the biggest purchase of your life? I provide a checklist so you can mark off the steps one by one on your road to becoming a homeowner. I explain how to start a financial and credit profile and I provide a budget worksheet to help you determine what type of mortgage payment will best suit your financial needs. I explain why getting pre-approved is the most important step in the home buying process and why you need to work with a Realtor to help you find a home. I talk about how the loan process will work and what documents and information you will need to provide to the bank. Every step is critical and you must know and understand all the steps you need to take to close on your new home. In the third chapter, I go over the loan qualifications criteria such as debt, income, credit, and property and how to qualify for the first time home buyer program. Chapter 4 gives details about the available loan and down payment assistance programs. Chapter 5 is one of the most important chapters because it walks you through the mortgage loan application process and what you need to know to complete it. Many first time home buyers are more confused about the loan application than any other document. Chapter 6 talks about closing costs and how much money you need to bring to the closing table. In Chapter 7, I try to demystify the Truth In Lending document which discloses the financial terms of your loan. Chapter 8 shows you how to improve your credit. Chapter 9 explains foreclosures and short sales and why they are different from normal deals. Finally, in chapter 10 goes over real-life scenarios and solutions to common issues faced by first time home buyers.

First time home buyers ask me the same questions over and over again and it is tough to give them short answers so I wrote this book to give you detailed answers on how to buy your first home. You need to stop kicking tires and dabbling with the idea of buying a home and ask yourself "Do I want to become a homeowner and start living the American Dream?" or "Do I want to keep on renting and throwing away thousands of dollars with nothing to show for it?"

Contact one of our first time home buyer loan specialists at 847-516-5743 or fill out the short application.