Buying your first home is an exciting and rewarding experience.  It can also be a little overwhelming and frightening.  The process is complicated, the paperwork for the lender can be intimidating, but the reward at the end of the process is having a place to call your own. 

If you have job stability and good credit, this is the time to make your move.  Interest rates are already starting to climb and with every tick of that upward trend, buying power is diminished.  Lending is still a challenge but there are some good programs available for First time Home Buyers.  If you are a Veteran, VA is a good option.  If you have good job stability but not a lot of cash to work with, USDA or FHA Loans are good option.  If you need to talk to a lender, contact me.  I can put you in touch with the right lender for your individual needs.  

Conventional financing is the best program as there are less restrictions on the type of home you can buy, but the do require a bit more down payment than some of the government backed programs.  Manufactured home financing is back as well.  If the home was constructed after June 1976, it could qualify for financing.  The rates can vary depending on the location of the property and the condition, but this is an option for those who might have interest.    . 

The Housing Market has stabilized and prices have increased.  Foreclosure have pretty much dried up and this has helped with market stability.  The inventory of homes is pretty tight though so you need an agent watching the market to help you find the right home at the right price, and at terms and conditions that meet your needs.  Buying a home is an investment in the quality of your life, and with rents climbing, buying makes sense.     

If you have been thinking about buying but have been holding off, don't wait any longer.  Owing a home is a stable, long term investment where wealth is gained through appreciation in value and the payment of the debt against the home.  I can help you find the right home at the right price, and the right lending institution for your individual situation.  Buying your first home is a great beginning to the rest of your life.  

Sandra Paulow, Associate Broker, GRI, REALTOR®  
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Hi There! Thank you for visiting my site. Need some help getting started with your search? Just complete this form and include as much information as you can and I'll help you with the crucial first step. Let's Get Started. Sandra Paulow, Associate Broker, GRI, SFR, REALTOR® Aspen Properties, Inc. Pinetop, Arizona 928.242.0300

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