Most buyers always worry about the mortgage and closing costs first and I always tell consumers that that is like putting the cart before the horse. I find out that most buyers are not familiar with the actual home buying experience. My professional advice to anyone who is a first-time buyer is to first find yourself a buyer agent and if you are not familiar with what a buyer agent is or does, you can go to http://rebac.net/
and there you will find a lot of information about how hiring your own buyer agent will benefit you in many ways.
Once you have your own buyer agent, that agent can advise you on the next steps. They can help you find a mortgage consultant. Usually an agent has a trusting working relationship with a mortgage consultant that they can direct you to. You do not have to use that mortgage consultant if you feel uncomfortable with them. Remember though, the mortgage consultant that you choose should attend your settlement with you. It is my professional opinion that when a mortgage consultant says that they won't be attending your settlement it's because they don't have your best interest at heart. It's like your agent telling you that they won't be at your settlement. Both the agent and the mortgage consultant should be with you through the entire transaction and beyond.
Once you find your buyer agent and the mortgage consultant, then you can find out about any programs you might qualify for. Your agent can also help you save money by getting you seller assist.
This is just a start. If you are interested in learning more, you can go to my website at http://www.reneeporsia.com
and read my blog or watch my videos that I created for consumers. If you would like to discuss your situation further, please feel free to e-mail me at firstname.lastname@example.org or you can contact me directly at (215) 669-0589.
I hope this helps a bit.
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