If your a first-time home buyer, it's not to late to take advantage of the governments first time home buyer grant.
You are still eligible as long as you purchase before Dec 1st 2009. If you have been considering purchasing a home, but don't know where to begin here are some easy steps:
Make a quick phone call to a Mortgage Broker or stop into your local bank: This is usually the first step because, they will be able to run your credit, and see how large of a mortgage you will qualify for. They can also tell you what price range you need to stay within, in order to stick with your monthly budget. Important Note: Your monthly payment doesn't just end with the mortgage, you have to consider Insurance, Taxes and also an HOA payment if you will be living in a Home Owners Association. Ask your mortgage broker/lender for a Good Faith Estimate, which should encompass everything i just talked about!!!
After determining a price range call your local Realtor. Make sure that the Realtor is used to working with first time home buyers and is willing to devote time and patience to helping you find your home.
If your considering buying in the Boca, Delray, Boynton and Lake Worth area, I would love to have the opportunity to work with you.
To find out if your eligible for the first time home-buyer grant visit: www.federalhousingtaxcredit.com
Please send me your questions, I would be happy to answer them even if your not in the South Florida area.
P.S. I will not give out your e-mail address or bombard you with e-mails......I'm strictly here to offer my knowledge on buying a home.
Please contact me at: Stephanie@jacobandpatty.com
Or visit my website at www.YourHomeTrio.com
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