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Ken B | How do find a local first time home buyers class and is that the right direction to purchase my first home? |
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divepassion
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This may help http://www.hud.gov/buying/index.cfm |
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mike g
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A good way to find a class is to ask your mortgage borker. It is defintley the way to go. Taking first time home buyers programs could lower your intrest rate on your loan. I took Bank of Americas first time class and thats what they did for me. Try to get a first time home buyers program through your mortgage company. Oh little tip see how much money you are approved for. This will help narrow down the list of homes you are able to look at. Another thing dont forget to figure in the taxes of the property higher taxes equals a lower price in home selection. |
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lrgestload
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I have no idea about the classes but i think it would be a great idea. I watched an episode of Holmes on Homes where a family bought a house. they had the home inspected by a home inspector and it was good. they later found that there were over 150,000 in repairs that had to be done to the home and most were code violations. the home inspector is not liable for any of this and they would have had to pay for everything out of there own pocket had it not been for the show.
I think the more you can educate yourself on buying homes the better off you will be. I would love to see if there were classes in my area. |
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darkdiva
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You can find everything you need on line. |
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debraalbagli
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You can find info online.
http://homebuying.about.com/od/buyingahome/bb/shopping1sttime.htm |
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ctarr12
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If you have a local For Sale By Owner company, some of them offer class'. Some banks will require you to complete a course before they will do your loan for you, not a bad idea. Yo might want to also contact the Commissioner of Banks in you state, they should have some great resources, of even HUD I am sure has some great course!
Good luck!!!!!!! |
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PandaJ
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We found a real estate agent who came highly recommended and who had worked with someone we knew. He was amazing and walked us through every step. He even found a government program we were eligible for and the State of Florida paid our down payment! |
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kate
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Credit Unions and school districts adult classes often have 1st time buyers education .
But basically ,
Get your other debt ( credit cards , vehicles , etc ) down as LOW as possible .
Then get pre-qualification letters ( they are free ) from your bank , credit union and broker .
Have them do it for 30 year fixed , NOT that ARM product of the devil .
They will tell you how much home you can afford and what their rate is , and you can choose the best rate lender .
AND , save 20% for the down payment because if you have less than 20% you will have to pay private mortgage insurance (PMI) that could be in the hundreds every month .
Good Luck !
OH , YES , the Home Inspector is a Must .
Never buy a home unless an inspector you have chosen goes through it with a fine tooth comb .
> |
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aurea b
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you should find a real estate agent its your best bet. |
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