First Time San Angelo Real Estate Buyers

Where do you start?

You will want to get started by having your finances in order and get pre-approved for a loan. Sit down with a lender and go over all your finances to get a great idea of how much home you can afford.

When you buy your first home, making monthly payments probably won't be a problem. After all, you're already paying rent to your landlord each month. It's coming up with the lump sum needed for a down-payment that may seem impossible. Fortunately, there are options to make buying your first home a happy reality.

Programs for first-time buyers. There are still programs for first time buyers but the lenders are a little stricter than they were a couple years ago. You will need some money down unless you are getting a USDA or a VA loan and your credit does need to be in good standing.

Your lender. Your bank or credit union may help as well. Are you debt free and own something free and clear, like a car? Your lender may lend you the down-payment by securing it against this asset.

Submit and offer. Once you have an offer on the table and have found a home you love you will need to have an inspection. Even if you plan on buying the home regardless, this is a good way to learn more about your new home and be prepared for any issues in the future.

Need financial solutions?

Credit or tax problems. Do you have problems with your credit rating or owe money in taxes? Buying your first home is still a possibility. Check with your lending institution about options, such as paying a higher down- payment.

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