First Time Home Buyer Tips Maryland | Fixing Your Credit


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First Time Home Buyer Tips Maryland | Fixing Your Credit

Realizing the benefits of Home Ownership
Renting is normal and it fits some lifestyles. .
I’m sure you are tired of hearing the same messages over and over again. .
As I respect your decision whether to rent or buy. .
I presume the reason why you are here because
becoming a homeowner is important to you.
You’ve come to right place then
These are the steps I would take if I was buying a home for the first time
Determining if home ownership is what you are really after.
Renting in some cases may be better for you.
If you are planning to move within 2 years, perhaps buying a home is not a good idea
If you are required to put a sizable amount for down payment to ignore credit problems. .home ownership may not be a good idea. .prefer to repair and fix issues on your credit first.
The question to ask yourself is what are your long-term goals are and then how home ownership fits in with those plans.
Don’t buy just because your friend are telling you that you are wasting your money if you are renting. .
Or you see home ownership as a sign of their independence and enjoy the idea of proving someone you care for that you can be a homeowner as well.
Narrowing down the real reasons why you would like to be a homeowner will help the person or person you elect to help you down this path

What to ask to a RealtorĀ® interviewing for the right to represent you buying your first home?
What are the qualification for a CDA program?
Where can I get Down Payment Assistance as first time home buyer?
How many first time home buyers have you helped on the past
Can I have their names and numbers for references?

Once you are together with a professional representing you as a buyer for your first home. .
You will be discussing things like. .
Is this a good time to buy a house?
How is the Real Estate Market?
What should I buy?
Where should I buy it?
Are interest rates low?
Only then, if you are still want to go forward you will get help to get Pre-Approved
A Sample of programs you should consider if you are a first time home buyer
Each of these programs could save thousands of dollars when buying your first home
CDA
Fannie Mae NO PMI Program
USDA Zero Down Loan Program
Good Neighbor Next Door Program
Fannie Mae HomePath Renovation Program
Down Payment Assistance and Grant Programs
HUD Home Loan Program
Streamline 203k Renovation Loan Programs
VA or Veteran Loan Plus Program
Special Programs also should be noted as “extras” as your RealtorĀ® evaluates your case.
Are you a:
Teacher?
Police Officer?
Firefighter?
Nurse?
Healthcare Professional?
in the Military?
Is this the perfect time for you to buy?
The answer to this is dependent on your particular siuation
Not two cases are the same. .

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First Time Home Buyer Tips Maryland | Fixing Your Credit

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