Homes for Sale Lincolnton NC---First Time Hombuyers--Call me Today for your plan to buy your dream home!
828-234-3106/cassiehansley@yahoo.com
Are you a first time homebuyer and don't know how to get started.....Call me and let's put your home-buying plan together. I can be contacted at 828-234-3106 or cassiehansley@yahoo.com. I look forward to hearing from you. Read the following information to kick start your plan to the American Dream of owning your home.
Develop a Budget for Family. Instead of budgeting what you'd like to spend, use receipts , bank statements, or check book to create a budget for what you actually spent over the last six months. This will give you your numbers based on reality. You may want to see where you can cut back on pleasures and work on the next step with the money you are saving. This approach allows you to factor in unexpected expenses, such as car repairs, illnesses, etc.
Reduce Your Monthly debt. This allows you to feel more comfortable when taking on a mortgage for your new home. Also when applying for as loan it can help you budget for your dream home instead of settling for a smaller home that may leave you unsatisfied.
Get a handle on Your Expenses. You know what your rent and car payments are, but do you know how much you spend on gas in one month. How about eating out??? Try writing down everything you spend for one month. You'll probably see some great ways to save. I know you can find at least one activity to cut back on.
Save for a downpayment. There are many loans available with just $500.00 down payment, but depending on how your offer is accepted, you still have your closing costs, prepaid items, and inspections that will have to be taken care of. Please contact me to discuss the 1st step to homeownership and find out what is expected of you. It is possible to get into a home with as little as $500.00.
Create a house fund. Don't just plan on saving whatever's left toward a downpayment. Instead decide on a certain amount a month you want to save, then put it away as you pay your monthly bills. This can be used as a house fund or just an emergency fund. What happens if you get sick and can't work for 1 week. Be prepared so you are never taken by surprise.
Keep your job or at least show that you have improved your situation. Avoid going from W2 job to a commission job. The banks want to be able to average the commission for at least a year... but really like two years.
Establish a good credit history. Get a credit card and make payments by the due date. Do the same for all your other bills. Pay off the entire balance promptly. This will help build your scores and relationship with the credit card companies. If you prefer not to get a credit card, then establish 4 trade-lines( Rent-Pay with Check, utilities, cell phone, insurances,etc. If you have no credit reporting to your credit report, but have 4 trades-lines then you will qualify for a 100% loan with a great rate. DON'T KNOW YOOR SCORES CALL ME OR VISIT MY WEBSITE WWW.CASSIEHANSLEY.COM TO INQUIRE FOR A FREE COPY OF YOUR CREDIT REPORT.CALL ME TODAY 828-234-3106.
VISIT MY WEBSITE TO ENTER $1000.00 MONTHY DRAWING AND SEARCH ALL HOMES ON THE MARKET!!!
Cassie Hansley: 828-234-3106/ 704-736-1717/cassiehansley@yahoo.com
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