Linda Klein

In my opinion, the best place to start is with a loan officer from any bank or mortgage company. He/she will be able to get you started so that you know what price home you can afford. Getting a pre-approval will also help when you find the home you want and submit your offer on the home. Once you've determined what price you can comfortably afford which will usually include the principal, interest, real estate taxes, insurance, and maybe a mortgage insurance premium (if your downpayment on the home is less than 20%), you can then look for a Realtor to work with. When you're ready, I'd be glad to help you find your dream home. You can give me a call at 863-243-3357. There is a first time home buyer tax credit which we can discuss at that time but, it expires December 1(as far as we know at this time) so, you may want to get with a loan officer as soon as possible. - Sat Sep 5 2009, 07:11