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This guide was created for those who don’t know what to expect or where to start. There are people who will feel more comfortable reading this than walking into an institution to ask what they may consider “dumb questions”. If this describes you, you’ve come to the right place.

Some of the people I’ve worked with are the first ones in their family to ever purchase a home, others have owned several. Either way, I commend any and everyone who is taking an interest in home ownership. In my opinion, real estate is the new bank. One of the safest and most rewarding places to put your money short term or long term. People often forget or don’t pay attention to the equity created in their home just by living there and paying the balance down. Ownership comes with a lot of responsibilities, but there are also a lot of benefits. Buying a home for the first time can be intimidating, primarily because for most individuals, it’s the single largest purchase they’re ever going to make. With that said, it’s very important to do that the right way

Some of the topics discussed are;

  • Real estate terms and phrases
  • Real Estate Flow Chart
  • Strategy is Key
  • Credit – Becoming lender friendly
  • Income
  • What is a mortgage payment?
  • Banks Vs Lenders
  • Debt to Income Ratio
  • W2 VS Self Employed
  • Partner with the Right Realtor
  • Get Organized and Execute
  • Prequal vs Pre-Approved
  • Time to go shopping
  • Underwriter Do’s & Don’ts
  • Getting to the Closing Table

Everything shared here is from my experience a Realtor and Mortgage Loan Originator. In no way, shape, or form am I a professional author. I wanted to share topics and tips that I have conversations about daily and present the most challenges, in a way that I hope most will understand. Hopefully, after reading this you will have a better idea of the home buying process and some ways to save time and money.