Maggie, Home Buyer in Moreno Valley, CA

I have a question and I don't know where to start. I am a single mom and I would be considered a first time

Asked by Maggie, Moreno Valley, CA Mon Jun 16, 2008

buyer. I have excellent credit score and I have been at my job for 4 years - I would like to know if I could purchase a home and if there is some help out there. Where do I start?

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Michael Barr…, Agent, Irvine, CA
Mon Jun 16, 2008
H there Maggie. I work with many first time home buyers and can help them with a variety of programs out there to review and find one which is best suited fo your requirements.
I will help you obtain financing and help you find the best home out there for you. I have system that will allow you find the perfct home in your time frame with no pressure and then help you obtain it for the lowest possible price.
If you like more information on this please let me know

Kind Regards
Michael Barron
First team Real Estate
(714) 552-6817
0 votes
Yana Navarre, , San Clemente, CA
Mon Jun 16, 2008
Hi maggie, Might I suggest you go to a few open houses in the area you are interested in looking. Each open house is manned by a realtor. You will be able to see their style and see how comfortable you might be working with them. They will ask you if you are already working with a realtor . Your answer back will depend on if you want to work together. Look for a known company. I would also call a few companies and talk to the broker and request who he may assign you to according to what details you give him. Again you may immediatly like the first person, if not keep searching. Once you have talked and discussed what you are looking for in a house then he will get you qualified with a mortgage broker {most likely in their office}and be able to find what you are looking for and the right price range that's comfortable for you. I wish you the best of luck. This should be an exciting time for you.
1 vote
Shel-lee Dav…, Agent, Rolling Hills Estates, CA
Mon Jun 16, 2008

You sound like a perfect 1st Time Homebuyer. I specialize in helping people like you and know of many great programs to help you out (which include city, county and state programs, a much overlooked Federal Tax benefit administered by the county, and non-profit Down Payment Assistance programs). Of course, everything should be geared around a comfortable purchase price and payments that will not make you sweat each month as you write the check. Often lenders will push for the most purchasing power (or in other words the highest loan amount they can qualifty you for) and not take into consideration your lifestyle and personal comfort. That is why it helps to work with a realtor who specializes in helping 1st Time Homebuyers. They should help you look at all the costs of home ownership and make sure you do not overextend yourself. Once you have gone through the process of finding out how much home fits your needs, then it is time to find a great home, in an area that you like and negotiate the best price for you.

If you would like referrals to lenders who specialize in helping 1st Time Homebuyers, or more information about the various assistance programs out there, please do not hesitate to contact me directly.

Wishing you much success in becoming a 1st Time Homeowner and Dare to Dream.

Shel-lee Davis
Real Estate Consultant
RE/MAX Palos Verdes Realty
1 vote
Sean Giorgia…, , 92553
Mon Jun 16, 2008
Maggie, start with a lender you know and like. Then, interview realtors who are familiar with Moreno Valley, first time buyers, and bank owned homes. You might also read through the other answers that myself and others have posted here on Trulia Voices.

Depending on your debt load and threshold for a payment, you should be able to buy today.
A good rule of thumb to calculate your total house payment (including taxes and insurance) is $7.50/$1,000 financed.

I'd love the opportunity to compete for your business and can provide references if you like. In the meantime, good luck and don't hesitate to ask questions! I can be reached directly at 951-571-9229 or
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