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First Time Home Buyers’ Guide

Fear Not.

Buying a home can understandably be an intimidating task. Even the most optimistic of home buyers can become easily overwhelmed with where to begin. But it doesn’t have to be scary, we have an excellent team of agents who can help put you at ease!

Thank Heaven for Realtors.

Men and women of the Real Estate Force who have answered the call to help families in the home buying process, from start to CLOSE. We have served people and their Real Estate needs throughout the entire Rio Grande Valley since 2011.

Ask and You Shall Receive.

Do your research and if along this journey you have any concerns or questions, your Realtor is there to help you get the answers you seek. When you hire the right agent and find the right lender, the home buying process can really be an enjoyable one. So, ask questions!

Helpful tips for Hopeful Home Buyers.

Below are a few suggestions to best prepare the home buyer for the journey ahead.

1. Save for your down payment NOW!
Home buyers should expect to put down 20%, depending on the lender. Some programs offer first-time
home buyer’s special programs that will require 3% down or less. The more you are able to put down
means the less financing you’ll need for your purchase and that will ultimately be reflected in your
mortgage payments. Here’s an idea of how much 20% down would look like on a $200,000 home, $10,000.
Try saving for your down payment by depositing your tax refunds and any bonuses in a savings
account. There are also helpful apps you can download to help you keep track of your progress such
as the Digs: Home for Homeownership app. They specialize in not only helping you save but
simultaneously finding a lender that best match your needs.

2. Find the price point that best suits your life.
With the use of an online home affordability calculator, you can run the numbers on the price range
you should stay in to live comfortably and enjoy your new home. Mortgagecalculator.org is a great
tool to have handy!

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Every lender will consider your credit scores before they mortgage your home. With this in mind,
consider paying down debts, closing or disputing any erroneous claims, as well as AVOID ACQUIRING
ANY NEW DEBT like a vehicle or yacht!

4. Get Preapproval Letter Status
Once you find the right lender, and after they have examined your finances, they will confirm how
much they will lend you and under which terms. With a preapproval letter in hand you are basically
telling the seller of the home you are interested in that you mean business.

5. Your Realtor is Your Best Home Buying Friend
With his or her expertise, your Realtor will go to bat for you. Your Realtor, “the buyer’s agent”,
will help you select homes within your price range and in the area, you are looking to live in.
They will also schedule house hunting around your availability, work on all of the documentation
upon selection of a home, and negotiate the best deal for you and your family. Their job is done
when the keys are in your hands.

Here at Equity Assets Realty (E.A.R.) we LISTen to our clients. We believe everyone deserves a place to call home and have made it our goal to help as many people get there as possible. From Starr County to Cameron, and every acre in between, we are here to help you find or sell your property. Feel free to call (956) 994-9455 or contact us. It would be our joy to serve you!

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