EASING THE HOMEBUYING PROCESS

The homebuying process can seem intimidating, but there’s no better time to explore the benefits of homeownership than now. The best place to start is with a little education.

Did you know that there are 48 individual steps to buying a home? No wonder so many potential buyers can find the process a little intimidating – even if they’ve done it before.

From exploring your lending options to making an offer, mortgage approval to moving day, the purchase of a home is one of the biggest financial decisions most people will probably ever make. With so many recent changes in lending, credit, and home values, it can be difficult for the average buyer to keep up.

However, with home prices low, interest rates on the rise, and a federal tax credit for first-time buyers available through November, there’s truly no better time to explore the benefits of homeownership than now.

With rates and requirements changing all the time, it’s vital to find a team you can trust – professionals such as a realtor, attorney, credit professional, and a lender who are willing to share their knowledge, educate you on the process of home buying and guide you to the solution that fits your financial and lifestyle needs.

Unfortunately, there are far too many companies out there that don’t exactly have your best interests in mind. So-called “credit repair” agencies can do just the opposite – damaging your credit while charging you hundreds or even thousands of dollars in fees. Some unscrupulous lenders never look at your overall financial picture and push you to the loan that puts the most money in their pocket instead of the one that best meets your needs. Others host seminars or workshops that are thinly disguised, high-pressure sales pitches for their services.

If you’re in the market for a new home the best place is to start with a little education about who are the right people for you. Talk to people, ask questions, and gather as much knowledge as you can to become an informed homebuyer. Even for experienced homeowners, there have been so many changes in the worlds of credit and lending, it is probably a very different process from the one you remember.

My passion is to help homeowners arm themselves with the information they will need to make the process of obtaining financing and buying a home much less intimidating and much more rewarding.

You can reach me by phone at 516-517-9906, by email at [email protected], or on the Madison Mortgage website, www.madisonmortgae.com.

I look forward to helping you become a happy homeowner.

Steve Horowitz

NMLS# 195011

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