The journey began for me when I decided to take action and fulfill my dream of home ownership. It was January and all about new ~ year, home, leap of faith. So I leaped and contacted a mortgage person. They were able to help me determine how much home I could afford to buy. Whew, was I glad that process went quickly and smoothly. Pre-qualifying was relatively painless. I was motivated. I was ready and able. I needed to find a location I was willing to live in.

Out came the map book, highlighters and all the other tools needed to study. I identified several areas I was willing to consider. It was time for the great adventure; exploring the new and unknown areas in hopes that I would consider one home.

Exploring involved driving to each area and scouting out the neighborhoods. First, I drove through the streets on a regular work day. Next, I went back out on a Saturday to those I had not ruled out on the previous drive-by. Doing this really gave me a good feel for the neighborhood.

Having achieved my goals within a week I was ready to meet with a real estate agent. I handed over to the agent my maps and list of requirements in a home. Not being an agent myself at the time I was unaware of what the term meant to be a ready, willing and able buyer. But the agent knew and gladly explained that I had properly prepared beforehand.

My agent advised me that in light of all the information I had shared they would be able to prepare a tour of homes for the following day. The next day was a Saturday and we started out on our tour with seven homes. I knew when we entered the last home I had walked into what would be my new home. It was a good home for me and a fabulous Valentine's day in 1999.

If you are considering making your dream of home ownership a reality please give me a call. Together we can work through the process of owning a home. If you qualify, you may be entitled to the first time homebuyers tax credit of 2009. The credit could help you in achieving your dream of homeowner.