Good afternoon 'M'...
while i love some of the shows on HGTV, the best advice i can give you as a first time
homebuyer is first, be sure you are working with a buyers agent, someone who is representing
your best interest, second, speak to a mortgage rep to see how much home you can reasonably
afford, then, when you find a home that you feel is the right fit for you, you will have yourself lined
up to know, how much of a down payment you can afford and what is the max offer you will be
comfortable making, knowing what your payments will be.. If you need a sellers concession you
are cutting things close.. and it will appear to the homeowner that you may not be able to afford
the home, deminishing the credibility of your offer.
are you working with a buyers agent now.?