Ritch Haenke

Richard:

Congratulations on considering a home purchase. Good questions and thoughts around what you are trying to accomplish. As a first time buyer, there are good options available today around FHA Loans tha that require as little at 3% down. There are also down payment assistance programs that seller's can participate in to fund the 3% down payment with a administrative fee. Conventional loans would required a minimum, generally of 5% down payment.

My best advice is to get connected with a competent mortgage lender and review your specific situation with respect to goals, scores, down payment, parents, price of homes, etc... They will be able to provide a Pre-Qualification Letter for you that will help in the house hunting. This is something that you can do now or when you get ready to start looking. The prequaification will outline how much house you can afford and with what terms for interest.

Please let me know if I can help in finding a good lender to discuss this with. I would also be happy to help you find a home. I work with many first time buyers and can help make this process easy as well as enjoyable.

Ritch Haenke, Realtor(r)
Coldwell Banker, United Realtors
rhaenke@sbcglobal.net
512.633.3909 - Yesterday, 05:41

Jeremy:

Hello! Congratulations on your decision to move to Austin. There are many great options to consider.

I have time this weekend and would very much like to find you just what you are looking for. I have helped other buyers find homes through Trulia. It is a great tool in helping to connect people with homes.

Please give me a call to discuss exactly what is on your dream list and I will get busy.

Looking forward to hearing from you.

Thanks
Ritch Haenke, Realtor(r)
Coldwell Banker United Realtors
512.633.3909
rhaenke@sbcglobal.net - Mon Jul 21 2008, 14:02

Mike:

Congratulations on considering Austin for a home purchase! Below is a link to the City Website:

http://www.ci.austin.tx.us/ahfc/first_dpa.htm

There are also other down payment assistance programs that your Realtor can help you with. They can allow up to 3% assistance from the seller with FHA.

Let me know if you need anymore help.

Thanks
Ritch Haenke, Realtor(r)
Coldwell Banker, United
512.633.3909
rhaenke@sbcglobal.net - Thu Jul 17 2008, 13:19

UT Horn:

Proceed with caution. This is an area where you will want to understand all of the details before proceeding. There is more risk in this transaction due to the uncertainty of the future of what will happen with the HOA.

Your realtor should be able to help sift through the facts to make an educated decision.

Thanks
Ritch Haenke, Realtor(R)
Coldwell Banker, United
512.633.3909
rhaenke@sbcglobal.net - Mon Jul 14 2008, 19:50

Eva:

Hello. Great question as I believe staging is one of the keys to successfully selling your home. In my business, I do pay for a professional stager for my clients. It adds an extra touch and makes the house ready to sell. It also helps home sellers understand what their homes assets and liabilities are by an indepedendent third party.

I would love to talk with you more about your home and what I can do to assist you in getting it sold.

Thanks,
Ritch Haenke, Realtor(r)
512.633.3909
rhaenke@sbcglobal.net - Sun Jul 6 2008, 12:16