Grateful is... buying your first home!

T is for the trust the pilgrims had so many years ago.
H is for the harvest the settlers had to grow.
A is for America, the land in which we live.
N is for nature and beauty which she gives.
K if for kindness, gentle words, thoughtful deeds.
S is for smiles, the sunshine everyone needs.
G is for gratitude... our blessings big and small.
I is for ideas, letting wisdom grow tall.
V is for voices, singing, laughing, always caring.
I is for Indians, who taught them about sharing.
N is for neighbors, across the street, over the sea.
G is for giving of myself to make a better me.
~ Judith A Lindberg



Speaking of things to be grateful for... buying your own home is one of the most rewarding experiences life gives us (equal to marriage and birth). When you first consider buying your own home, have a plan...

• Minimally, you need 3.5% percent saved for your down payment plus closing costs (these may vary by lender!) When comparing lender to lender, ask about the APR versus just "what's the rate?" The APR calculates in other factors such as points and is a better comparison.
• Locally, you also need about 1% to put down as earnest money when you're ready to make an offer. (This amount may vary by location!) This money WILL be credited back to you at closing.
  
• Check first with a trusted lender for a pre-approval (NOT pre-qualification). Make sure the monthly mortgage payment is an amount you're comfortable with. Do NOT over extend yourself. You never want to get stuck with a payment you can't ultimately afford.
  

• To get pre-approved, you'll need 2 months of bank statements/2 months of pay stubs/2 years of W-2's/and proof of down payment.

I specialize in first time buyers. Allow me to help you find your first home.
I will guide you thru the process, step-by-step!

I take great pride in providing honest, reliable, and professional services to my clients! I am sensitive to your needs and will help fit the best scenario for your situation. Never pushy, just dependable.

Click below for an EZ, automated search for homes under $225,000:

First Time HomeBuyers ~ Tri-Cities

First Time HomeBuyers ~ Kaneland Don't forget to remember me... Diane Morales Thank you for MOVIN' WITH MORALES!! Keller Williams Fox Valley Realty (630) 709.9882 Follow MOVIN WITH MORALES on Facebook for market news you can use!