If you need help finding your new home, I'd love to meet with you and discuss what to expect from house hunting to closing. I've been an exclusive buyers agent for 7 years and my services are FREE to you.
Good luck with your decision,
I would contact several lenders to see how they compare on rates and other fees. You should really consider the bank or credit union that currently handles your money. Often they have special programs for their current clients. There is no need to go to another institutuion if you like your current financial institution. Make sure you are pre-approved before you begin shopping for homes as it can be difficult to fall in love with a house and loose it because your not prepared and another buyer is. Have a budget and a plan. Also if the bank approves you for $350K, I advise not to spend the full amount. I would look for homes at $300K. You may want to take a vacation or send your child to college. Won't live only to work to pay a big mortgage. I wish you luck!
Betina Foreman- Realtor, C.N.E.
Austin Home Girls Realty
At Coldwell Banker we have an onsite mortage representive that can assist you. Here name is Michele Viera.
You can contact her by her cell phone 512-350-6041, email@example.com
or preapprove online at http://micheleviera.coldwellbankermortgage.com.
If I can assist you on your home search ,please let me know. I work with alot of first time home buyers.
1) Find a lender (mortgage company or bank) that has a variety of loan products to offer and local or regional underwriters to ensure a smoother closing process.
2) You probably already know this, but having 20% to put down on a home purchase eliminates a huge up front closing cost and reduces your monthly mortgage payment by about $80-$150 per month, depending on the amount of the loan.
I have some excellent local lenders that can advise you which options are best for you - let me know if you'd like to speak with them and I can forward their contact information to you.
Best of luck - I'd be honored to help you achieve your goal of home ownership!
There are not a lot of options.
You will likely end up with a plain old vanilla Conventional Mortgage.
(214) 763-4629 cell/text/nights/weekends(Really!!)
Lending all across the entire Great State of Texas!!
Search Dallas area MLS for FREE. No registration => http://www.ntreisinnovia.net/cgi-ntr/BR_login?0501134
It all depends on whats imortant to you. There are many different loans available that will provide you different outcomes. For example, If coming in with as least money as possible, you would be leaning towards an FHA. With that though, you would receive a premium mortgage insurance and a slightly higher monthly mortgage. There are also convential, USDA, Va loans. I would love the opportunity to sit with you and your wife to discuss what is important to you both. As a first time home buyer, I find it helpful to help educate my clients along the way. Call me and we can sit down and I can assist you through this exciting process. My number is 512-487-9325
Sonia Roberts, RealtorÂ®
"A satisfied customer is the best business strategy of all."
If you are still searching for a home, feel free to setup a Listing Alert on my site, http://www.LagoVistaAreaHomes.com . Check the search criteria that you want (uncheck the items you don't want) and then any listings that match your search criteria will be sent to you automatically. When you find a property that you have questions about or you may want to see, just contact me. Or if you prefer, send me your search criteria and I will set it up for you.
What else can I do to help?
I would be happy to discuss your home buying goals and the best financing options. Please feel free to contact me anytime.
Branch Manager/Sr. Loan Officer
PrimeLending, A PlainsCapitalCompany
4501 Spicewood Springs Rd. #1025
Austin, TX 78759
NMLS #: 151263
Lea Shaw, NMLS License #224589
Pulse Funding of Texas, Inc.
Good luck, and the great news is that you are on the right track to homeownership!