As lending has changed so much in just the last 6 months it is difficult to say how things will be in 2009. There are definitely steps you can take to work towards your goal now that are tried and true...save up as much money for a down payment and reserves (in case of job loss or income fluctuations), maintain your good credit and clearly identify the neighborhood where you want to live. I would be happy to help you formulate a long term plan. Feel free to contact me at your convenience.
I'd love to sit down and chat with both of you to complete a thorough Prequalification. I'm a Local Mortgage Banker and I've been helping HomeBuyers for 22+years here in the NY Metro region.
In the Prequalification meeting we'll review the building blocks of a successful mortgage application: IAC or Income, Assets, and Credit. Then we can determine the loan programs we can offer you and the programs that are the best fit depending on your family's goals and financial lifestyle. I'll also guide you through the entire process of buying a home, from finding a great local Realtor, to making an offer, home inspections, contract signing, loan process and closing. My clients get a personalized "First Time Buyer's Seminar."
I'm accessible seven days a week and I make house calls, so give me a call today and we can get you on your way to homeownership!
PowerHouse Solutions, Inc.
185 Great Neck Rd, Suite 240
Great Neck NY 11021
Licensed Mortgage Banker â€“ NYS Dept. of Financial Services
My Name is Caesar Galindo Office manager, and Law Student at CUNY Law School.
His number is 718-459-9300
Mine is 917-497-0729
If you are not in communication with a really good mortgage person, contact me offline for a referral...Gail@GailGladstone.com.