My husband and I are thinking about buying our first home. We have been in a rental house for the past 4 years.

Asked by Cynthya Ortiz-bolanos, El Paso, TX Thu Aug 1, 2013

We're quite interested in making the move to our first home. We have ok credit. We took the step of buying a new car to help us with our credit. What else do we need to do and we would also like some help on how to apply for loans or look for homes, etc.

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K.C. Jones, Mortgage Broker Or Lender, Irving, TX
Thu Aug 1, 2013

Give me a call & I'll walk you through the whole process. We're able to approve loans with lower credit scores & we're able to work with alternate trade lines as well. Good rental history is a great 1st step to home ownership. :)

K.C. Jones
Gold Financial
NMLS: 1092967

Apply NOW:
1 vote
Brian Clayvi…, , 79936
Fri Nov 1, 2013
Meet with a specialized mortgage company and go through the pre-approval process. Once you have all of your mortgage concerns addressed then ask for a good realtor referral. It needs to go in this order and if the mortgage company doesn't give you very specific direction on how to get qualified, find someone else. Many people in our business are busy and they don't take time to educate buyers thouroughly enough. They should be able to give you very specific direction.
We have good resources to help you get started on our website.
0 votes
Joycelewis412, Home Buyer, Sacramento, CA
Sun Aug 18, 2013
There are several loan programs that you can choose from. It is best to work with a professional so you can have your best choice. Check each loan requirements to know if you qualify for such.

Check if you qualify for a mortgage. Try
0 votes
clayton elton, , El Paso, TX
Wed Aug 7, 2013

The first (and best) step is to speak to a mortgage specialist and see where you stand. There are a lot of variables when it comes to your credit rating so speaking to a lender can help you understand your score and if necessary what you need to do to improve it. The good news is that with a strong rental history that can often times help offset a less than perfect score. I'd love to chat with you over the phone or face to face. I am local and we have offices on the East and West side where we can meet. Best of luck on your home buying journey, I hope I can be of assistance to you both.

Clayton Elton
NMLS #941411
(915) 307-7212
0 votes
V Realty, Agent, El Paso, TX
Sat Aug 3, 2013
Hey Cynthya,

Making the move to purchase your first home is a great decision in today's market. As interest are nice, and we have enough inventory to find the perfect home for you.

All that you would need to do first is get Pre Qualified, and I have a way in which you can do it online at No Cost. Very simple process. This will give you an idea of where you are standing as a Home Buyer and give you an idea of what is needed.

We do also have First Time Home Buyer programs available.

I'll be more than happy to answer any further questions you may have.

You can reach me at (915)345-5927

Best Regards,

Adrian Silva
V Realty LLC
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0 votes
Cynthia Morr…, Agent, El Paso, TX
Thu Aug 1, 2013
Howdy Cynthia my name is Cynthia too! There are so many options today for a buyer. Prices have not risen very much yet, interest rates in still delicious. Buyers incentives and cash back are real. So need help with credit, there is free credit fix. Have awesome 620 or more, then most likely you can get into the home of your dreams for zero down, zero closing and all we have to do is find a home that meets your desired monthly payment. It is easier than you think! Now imagine the monthly rent you are paying you can have much more house AND majority of your payment will be one huge tax deduction that you will get back a huge check from the irs or increase your deductibles and have more take home pay. Okay Yakety Yak, lets talk at your convenience and make this one awesome fun experience!!

Wishes for God’s best to you and yours in every way each and every day!
Cynthia Ann Morris,
CNE, CRS ,CSP,ePRO, GRI, TAHS,Texas Property Tax Arbitrator,Certified Real Estate Instructor

Sales, Property Management and Investing First Time Home Buyer Specialist Short Sales and Foreclosure WE BUY HOMES FREE CREDIT FIX

Broker-Owner Serving you and all of El Paso County.
Phone 915 471 4300 Fax 915 855 4609
email Website

I want to be the only REALTOR ® you will ever need
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0 votes
Jayne Tirado, Agent, El Paso, TX
Thu Aug 1, 2013
First, congratulations on your decision to buy your first home! It is a wise investment and now is a great time to buy! Your first step will be talking to your preferred lending institution to determine what your home loan options are, discuss the loan process so fully understand the terms, and then ultimately get pre-approved. Your pre-approval letter is what allows you to make the first step in the home search, and ensures that you are looking at houses within your comfort zone. I am happy to give you the name of my preferred lender, if you wish.

I would be more than happy to represent you in your home search. I will help you through every step of the way. Please contact me at 915-342-3999 at your convenience so that we may get acquainted!

I look forward to hearing from you.
Jayne Tirado
0 votes
Cesar Torres, Agent, El Paso, TX
Thu Aug 1, 2013
Hi, I am local loan officer please advise if you want to get prequalified to determine the amount of house you can afford.

Free consultation.

Cesar Torres,
Direct Line (915) 383-9611
Marquis Lending
NMLS# 227135
0 votes
Susan Kim, Agent, El Paso, TX
Thu Aug 1, 2013
That is awesome! It is very important to me for all my buyer's know about the home buying process step by step. That way you understand how to purchase as well as the benefit of purchasing. I would love to set up a consultation with you and your husband so that I can walk you through it. Call me at 915 630 4480 if you are interested.
0 votes
Chris Rojas, Agent, El Paso, TX
Thu Aug 1, 2013
Hi Cynthia congrats! What I can tell you is rates are going up and it is now becoming a sellers market. Abc news did a story about the real estate market. If you are interested I would love to give you a FREE buyers interview. I can get you with a lender and assist with everything you need! I'm a one stop shop! Thank you 443-3598
0 votes
Jorge Reyes, Agent, El Paso, TX
Thu Aug 1, 2013
Congratulations on your decision to become Home-Owners !

The first and most important step in the Home-buying process is the "Pre-approval process". This will give you "Peace of Mind" as to the amount you qualify for. I can assist you with the Pre-approval process

This will definitely make your home-buying experience an enjoyable one !

Feel free to contact me at your earliest convenience so I may give a more detailed explanation.

I look forward to speaking with you,

Jorge Reyes, Realtor
0 votes
Tony Grech, Mortgage Broker Or Lender, Southfield, MI
Thu Aug 1, 2013
You need to speak with a loan officer to find out what programs and how much of a loan you qualify for. We base everything on income, credit, and down payment. Those 3 things primarily determine what your options would be.

Please feel free to give me a call or email me and we can discuss things in more detail

Tony Grech

Loan Officer -NMLS #977416

WCS Lending, LLC
Toll Free: 866.936.5363 ext. 278
0 votes
Sharon Felton, Agent, Nashville, TN
Thu Aug 1, 2013
You might visiting my website at There, on the Buying tab, you will find lots of great widgets. One will allow you to discover how much house you can afford. Another will help you discover how your credit score is determined. After you've read up on a few of these initial issues, then call a Realtor in your area. He/she will be more than happy to help answer the questions that will certainly come up.
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