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Shantel's Blog

By Shantel | Home Buyer in Carrollton, TX

Making What Seems Impossible, Possible.

I have the homeowner's bug again.  These last couple of years I have been "thinking about" purchasing my first home.  That's as far as I got.  I look at my paycheck and my credit report and say to myself, "Sista, this is not going to happen."  

Then a small sliver of light is started to seep from the opening at the end of the tunnel. My car payment will be no longer. April 2012, I will have made my final car payment. I could easily look at this as an opportunity to "upgrade" my apartment living or use this extra money to shop til I drop at Wal-mart or Target (yea big spender, I know), but I am choosing to do the right thing; buy my very first home. 

So as of today, I have begun the first two steps in reaching my goal. I registered for a first time homebuyer's class in my area and made of list of necessary expenses. 

If there are other tips anyone can offer, please feel free to let me know. This time I am really ready to make this happen. 

Comments

By Edyta Gryc - Broker Associate,  Mon Feb 20 2012, 17:25
Congratulations! I suggest that you contact a loan officer to help you with a financing. He/she will guide you what you should do to improve your credit score, save for downpayment etc. Good luck in reaching your goal!
By Brian Rayl,  Thu Feb 23 2012, 21:35
Shantel,

I echo Edyta's sentiments. Congratulations on making the decision to become a home buyer, and even more respect for understanding what it takes to do that and starting off on the right foot.

You sound like you need a guide of some kind... Perhaps a buyers guide that gives you... I don't know, steps to buy a new house? oh wait, I've written one on my website. It's called the Real Estate Buyers Guide: Steps To Buy A New House. Here is the link: http://brianrayl.com/buyers/real-estate-buyers-guide-steps-to-buy-a-new-house

You definitely need to speak with a lender as Edyta suggested. If you read my buyers guide, you will see that I almost always recommend using a local lender because they can usually give much better rates and have better options than using a big bank. Credit Unions are a good spot to shop as well.

If you need the name of a great local lender, I would be happy to supply the information. Just contact me on my website at http://www.BrianRayl.com/contact-me and let me know what your situation is and I will get you the information to you as soon as possible.

Have a great day and good luck with your home search!

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