First Time Abilene Texas Buyers Information

Do you ever feel like paying rent is just paying someone else's mortgage? Maybe you haven't, but that sentence might make you think about it.

Now is a great time to think about buying a home. With the market the way it is, you can cash in on a great deal. There are so many short sales and foreclosures on the market also, that a good buy may just be a mortgage payment away.

Where do you start?

First of all, learn the financing basics. Get pre-approved and become a smart shopper.

When you buy your first home, making monthly payments probably won't be a problem. After all, you're already paying rent to your landlord each month. It's coming up with the lump sum needed for a down-payment that may seem impossible. Fortunately, there are options to make buying your first home a happy reality. My Fairbanks real estate connection has a great arcticle on buying in this market.

Programs for first-time buyers. There are several local or federal government programs that help first time buyers get into the housing market. Ask us about these options. Great Falls Montana real estate agent Kelly Parks has an amazing set up for first time home buyers.

Your lender. Your bank or credit union may help as well. Are you debt free and own something free and clear, like a car? Your lender may lend you the down-payment by securing it against this asset. Get to know more about lending programs in the VA dept from my Enterprise relocation specialist.

Private contracts. Look for a seller to help you buy and finance your home. Some sellers are willing to carry the contract themselves and will waive the down payment. You may only have to pay the monthly mortgage installments.

Need financial solutions?

Credit or tax problems. Do you have problems with your credit rating or owe money in taxes? Buying your first home is still a possibility. Check with your lending institution about options, such as paying a higher down- payment.

If necessary, contact a financial advisor or tax resolution service.

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