ARE YOU BUYING A HOME FOR THE FIRST TIME IN THE GULF SHORES AND ORANGE BEACH AREA? IF SO I AM SURE YOU HAVE MANY QUESTIONS. I HAVE COMPILED A FIRST TIME HOME BUYERS GUIDE ESTABLISHED TO PROVIDE YOU WITH THE FOLLOWING:

1) WHAT CAN I AFFORD? A SIMPLE FORMULA TO SHOW YOU.
2) DO I QUALIFY IF MY CREDIT IS SO-SO?
3) WHAT LOANS ARE AVAILABLE? TALKING TO THE LENDERS.
4) NARROWING DOWN THE SEARCH FOR A HOME.
5) NEGOTIATING THE REAL ESTATE PURCHASE
6) MOVE IN!

IT IS IMPORTANT THAT YOU HAVE THE CONFIDENCE YOU CAN AFFORD A NEW HOME AND THAT YOU KNOW YOU WILL HAVE THE FINANCIAL ABILITY TO PAY FOR IT. I HAVE A SIMPLE FORMULA FOR YOU THAT REFLECTS WHAT YOUR INCOME IS VS. WHAT YOUR EXPENSES ARE, TO HELP YOU DETERMINE HOW MUCH YOU CAN AFFORD TO PAY EACH MONTH.

OTHER IMPORTANT INFORMATION TO HAVE RIGHT NOW:

1) ALABAMA HOUSING FINANCE AUTHORITY- STEP UP PROGRAM PROVIDES 100% REAL ESTATE FINANCING WITH NO MONEY DOWN.
2) NEW FEDERAL HOUSING BILL FOR FIRST TIME HOME BUYERS – JUST PASSED IN 2008 THAT GIVES YOU $7,500 IN TAX CREDITS EVEN IF YOU DON’T OWE THAT MUCH. IT’S A NEW INCENTIVE PROGRAM THAT REWARDS FIRST TIME HOME BUYERS!

IF YOU ARE A FIRST TIME HOME BUYER AND WOULD LIKE TO KNOW WHAT HOUSE YOU CAN AFFORD TO BUY, WHERE TO FIND IT, HOW TO GET A LOAN WITH NOTHING DOWN TO PURCHASE IT, AND HOW TO GET $7,500 A TAX CREDIT TO HELP PAY FOR IT FEEL FREE TO CONTACT ME