Please contact me if you cannot find an answer to your question.
For starters, talk to my preferred lender. You'll need to provide some basic information like 1-2 months current bank statements, a W-2 for all applicants, and current pay statements. It's a fairly simple process for most people.
You may want to visit this site to have a look at some estimates on how much house you can afford. Of course, it's best to speak directly to a pro - contact me anytime for help.
Absolutely! There are several loan programs available to first-time buyers. Qualifications for specific programs vary, but here are a few to start. Your lender can see if you qualify and provide details.
Buying a home takes some planning and is well worth the effort. Plan to save for a down payment, but also calculate additional expenses, such as closing costs, earnest money deposit, and moving costs. It's recommended that you save for a healthy down payment (at least 4-20% of the sale price), plus a sum to cover the extra fees you will incur during the home buying process.
You'll want to avoid changing jobs if you're about to begin house hunting, and avoid making any large purchases using credit or opening new lines of credit. If you're self-employed, make sure you have good records and can provide tax information. If your credit is less-than-stellar, work on paying off any debts and get in the habit of paying all bills on time. All of these items will ensure your loan process goes smoothly and that you qualify for the best rate possible.
Contact me any time to talk about your current and future home needs. I can provide you with a no-cost analysis of your home's most current value. In the meantime, you can use this tool to get a ballpark estimate before we talk.
Allison Wideman, REALTOR - Bliss Realty Group
3500 John F Kennedy Parkway, Suite 205 Fort Collins, Colorado 80525, United States