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Tips for 1st time home buyers
The question realtors get asked most, how is the real estate market?
Have Orange County, New York Home Prices Finally Bottomed ?
"They know not only the business, but how to treat people like family and that's what sets them apart."
- Sciarra Family
"Knowing you could refer someone to not just one person but a team of people..."
- Joseph Donahue
"Everyone had a vested interest in selling our home..."
- Gomez Family
"Dealt with a couple different realtors in the office... I never thought buying a house could be enjoyable."
- Joseph Donahue
So you’re ready to take the plunge into homeownership and wondering where to start.Know your credit score. For an FHA loan (government loan) you will need a score of at least 550 or greater. For a conventional loan 640 or higher with 750+ giving you the best rates. If your score is low, you need to start working on improving it (just google “how to improve your credit score”). Have a realistic Debt-to-Income Ratio (DTI): A good rule of thumb is that home expenses should not exceed 28% of your gross monthly income but it does vary from lender to lender. Try it on for Size!! Now that you have figured out your DTI and you know how much house you can afford, pretend you have already signed the papers. If you know the difference between your current expenses and that home you want to buy is $1300 extra a month, start saving that amount each month No Matter What! This will let you know if you are comfortable... Read More.