Buying a home for the first time can be scary and confusing, but if you have a great agent assisting you through the process, along with a great mortgage broker, it doesn't have to be difficult.

The biggest priority is assessing what loan amount you qualify for, how much money you have to put down as a deposit, and how much of a payment you can afford each month. Your mortgage broker can help you with this. There are many different loan programs with flexibility. You can also have what is called an "impound account" which allows you to build in your property taxes and insurance into one payment with your mortgage. This prevents the shock of receiving a large property tax bill. In today's competitive home market, you have to have your ducks in a row before you start viewing homes, so you are prepared to write an offer immediately when you see the right house. Even a few hours can make the difference of having your offer accepted, or having another buyer beat you to it.

Once you know what your loan options are, there are no surprises. You just need to find the right home, with the assistance of your real estate agent. I would love to be that person, just give me a call.

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