The Valley offers great opportunities for first time home buyers.
Lenders are familiar with various programs that limit the “cash” outlay for buyers and helpful for first time buyers. As your professional Realtor, I am here to help you. Outlined below are “The Steps to Home Ownership “ which will begin to familiarize you with the home buying process.

The Steps to Home Ownership
First, I want to do is get to know you and find out about your dream home. When we have identified your needs I will search the market for homes that meet your criterion. Then we can take a tour and further identify specific elements you are looking for in a home. I want you to be comfortable with me and know that I work for you. It is my job and goal to make sure you are happy and satisfied with your new home choice.

Pre-Qualifying For a Home Loan
As your Realtor, I can connect you with a selection of proven lenders. If you have already met with a lender and feel comfortable with the lender that poses no problem as I can work with you on any level.

Credit
Of course your credit report determines the amount and interest rate of your home loan. You will want a lender to review your report and counsel you on the preparing the loan documents. Since I work with many lenders I can assist you in obtaining any additional information you need in this regard. I will help you with creative solutions and support you during this process.

Lender's Letter
Once you have determined the area, price range, and type of real estate you wish to buy, you will need to be prepared with a lender's pre-qualifying letter. This means the lender has reviewed your credit worthiness, income and money necessary to close the loan. You are ready to buy. This letter accompanies the offer to buy a home. This letter notifies the Sellers that your offer is serious. Regardless of what is required, I am here to help you.

Let's Look At Some Homes - Search The Listings
I provide you with the most sophisticated and simplified home search available, the Multiple Listing database MLS. Here, you will can see photos, descriptions, and prices of homes that meet your search criteria. I encourage you to browse and dream a little. You can begin your MLS search by clicking here.

Leave The Driving To Me
Let’s get started and visit the homes that meet your search criteria. I will arrange schedules with buyers to optimize the time we have to review homes. Daylight hours are always best.

You Have the Contract!
Now it’s time for home, termite, or security system inspections. These will need to be done in a timely fashion so you are fully apprised of the condition and status of your potential new home. I will provide you with a list of inspectors with whom I am confident or you can use those of you choice. Any defects or irregularities found in the home will be written for the seller to address prior to settlement.

Loan Application
It is time to contact the lender for your home loan. The documents listed below should be available from your lender to help expedite your loan process.

• Copy of Contract of Sale
• 2 years W-2 Forms
• 2 months Bank Statements
• 3 months Earnings Statements
• Landlord Name, Address and Phone
• VA Certificate of Eligibility for VA buyers
• Relax And Wait For Settlement
  
  Sounds easy? It really is. Kevin will be there to help every step of the way.