If you're not working with a Realtor, I suggest you get one right away. With interest rates the lowest ever and prices on the climb, NOW is the time to buy! The FIRST and foremost step in purchasing a home is to get with a Realtor. Check with friends and family to see if they can refer someone to you or research sites, such as this one to find a good professional Realtor. Your SECOND step is to get pre-qualified for a loan. AFTER you find a Realtor, he or she will have you meet with the lender that he or she uses regularly. This is important. Please let me know if I can help or if you have any more questions.
Keller Williams Realty
The City and County programs are relatively easy to navigate when you use LOCAL Realtors and lenders. There is a bit more paperwork involved, but your Realtor and lender should handle most of that for you. The time frame can be up to 2 weeks longer to allow for the additional approvals required.
I hope this helps.
Riverside Realtor Regent Certified
I have taken rthe certification courses and would be happy to answer any specific questions. Best of luck!!
Rosemary and Larry