You've received some excellent answers and the reality is - start with a lender. The lender will advise you on downpayment requirements, pre-qualification requirements, they will also run your credit, and advise as to whether you will have a loan issue up front.
Paul Porteus one of the lender's who answered below is local to the Antelope Valley and is one of my business partners, I highly recommend him and his company Prospect Mortgage.
Once you've spoken with the lender, then your ready to sit down with a REALTOR - interview 2-3 agents and find someone you click with, someone who is listening to what you want, and can help you put together the plan to accomplish your homeownership goals. You do not have to settle with the first agent ~ my parents went thru 3 agents before they found the "right one"...and that is okay, just be honest with the agents your working with, they will understand if they are trying to be of assistance to you.
I would be happy to sit down with you and see if we can put together a plan to find the right home and loan for you.
Tamara Stoebe, REALTOR/Notary
GRI, e-PRO, CHS, QSC
DRE License #01827461
Prudential Troth REALTORS
1801 W. Ave. K
Lancaster, CA 93534
Fax (661) 422-3006
First step you'll need to get pre-approved. Then if you're not yet working with other Realtor, feel free to call me, I've be glad to assist you. I'm also familiar with the East/ West Palmdale area.
Have a great day!
Pinnacle Estate Properties Inc.
Direct 661 713-8780
You need to have steady income, stability and meet the credit guidelines for the programs below
FHA, VA and USDA. Also ther are some specific programs you may qualify for to help you with your down payment
All of these programs are government backed to some degree
you can go to my website and i can do a pre-qualification for you
Here's the advice I give to my First Time Buyer clients here in New York:
1. Meet with a Local Mortgage Banker to get prequalified for mortgage financing. The Mortgage Banker will review all facets of your loan request to answer your questions with regards to the types of loans and maximum loan amounts you could qualify for.
2. Get a referral to a good, local, real estate attorney. Call the attorney, retain the attorney so you have her information handy when you make an offer. Having that information at time of offer helps you demonstrate to the Seller how serious you are, and they will consider your offer with more interest.
3. Line up a Home Inspector. A good home inspector will scare the heck out of you: that's what you pay him for! But you'll concentrate on the fundamentals of the property: roof free of leaks, plumbing, heating and electrical up to code and in good working order. Again, when you make an offer and you have your Home Inspector ready to go, your offer will be considered with much more interest by a Seller because you truly have your "ducks in a row" and your preparation demonstrates your serious attitude about conducting the purchase transaction in a timely manner.
4. Find an experienced Local Realtor who works in your desired shopping area. A serious pro Realtor will refuse to show you homes until you are Prequalified for mortgage financing. Don't take offense! That Realtor doesn't want you to be disappointed and wants you to have a smooth experience as you shop for your new home.
Put together your Team of real estate professionals and shop 'til you drop!
NMLS # 6395
Financing Kentucky One Home at a Time
The first step would be to talk to a lender so you know exactly what price range to look in.
They will be able to tell you what your payment will be, and give you info on the different programs available to you (such as down payment assistance programs, neighborhood stabilization programs, etc). Following is the contact information for a reputable local lender - feel free to call or email him.
Once you know how much house you want to buy, you can begin the search for your dream home!
In the meantime, take a look at my website: http://www.avwatson.com
Here you can search for homes the same way I do! The data is live and pulls directly from our local MLS.
Hope this information is useful to you. Let me know if I can be of further assistance, or if you see any homes you'd like to take a look at.
Have a great day!
Keller Williams Realty
1401 West Rancho Vista Blvd Suite B
Palmdale, CA 93551
I would be more than happy to assist you with your buying need. The first step would be to give me a call so that we may talk about property that would best fit your budget. This is an area of my expertise.
You can reach me at:
Marquessa Henderson(Lic# 01913673) of
Keller Williams Realty
Cell: (661) 373-8390