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Thinking about purchasing a home?  You came to the right spot.  In this portion of the website, I will provide you with tools, resources and information that are relevant to a 1st time home buyer or even a Move Up home buyer.

1st Time Home Buyer
A 1st time home buyer by definition is not only someone who has not owned a home, but also those who previously owned a home  but have not owned one for the last 3 years.   Options for 1st time home buyers are many.  Several programs offer flexibility with down payment and qualifying standards.  However, in some cases, income and geographic restrictions may come into play.  My team and I will help you to avoid the many pitfalls that face 1st time home buyers.  We will work closely with you to review all your options to make sure the option we show you is the one that is best for you.

Move Up Home Buyer
A move up home buyer is a buyer who is selling one house and then purchasing another.  Typically, a seller will turn around and purchase a larger, more expensive home.  Thence, the term “Move Up Buyer”.  However, we do realize that in many cases a seller may be selling with the intention of downsizing. Whether you are moving up or down, we will help you find the right mortgage for whatever size home you intend to purchase.  Often times move up buyers do not have as many “special incentives” to purchase a home because they already own one.  However, in some cases, there are still great incentives that may apply depending on the location of your home.  We will help you determine which options best suit your financial picture.

Frequently Asked Questions
Whether your buying for the first time or your moving up.  Understanding the mortgage process can be confusing.  In this section I cover many of the questions that I am asked by most clients.

Mortgage Programs
There are a ton of different mortgage programs and options.  In this section of the website I explain what the different options are and the benefits and risk associated with each option.

Buying a home for the first time or the fifth time can be a complicated process if you don’t have an expert to help you through the mortgage process.  Mortgage rules and regulations have changed substantially over the last couple of years.  What used to be a much easier process is significantly much more involved.  You can trust my team and I to help you through this process with the least amount of frustration.