Buying A Home Resources

Buying your first home can be both exciting and terrifying at the same time. There is so much to know and it is difficult to find the information in one place. On our resource page you can learn the advantages and disadvantages of homeownership and what it can offer you and your family. Find a multitude of information on the basics of buying a home, where to obtain a loan, how your credit will affect your purchasing power, how to qualify for a mortgage, calculators to find out how much you can afford and more.

Steps to becoming a Home Owner
Are you in the market to buy your first house? The process can be frightening, especially without the correct knowledge. HUD is the government agency that can get you on the right track. Learn the correct steps to buying a house, obtaining funding, government programs that are available in your area and much more.
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Florida Home Ownership Step by Step
Get a step by step plan to buying and securing real estate in the State of Florida. Learn about the laws in Florida, how to do the correct research prior to obtaining a loan and who you should contact to help you through the difficult and time consuming process.  Read More

Buying a House? Figure out what you can afford
Congratulations! You have decided to buy your first home. Now it is time to figure out how much you can afford to pay for your new property. The amount of your loan will depend on different factors including: your income, credit rating, monthly expenses, current interest rates and how much you can initially put down.

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Home Ownership: Is it right for your Situation?
For some people, buying a home can be one of the best decisions they will ever make, but for others, it will be the worst. www.incharge.org has a great checklist to know if homeownership is right for your situation. For some people, continuing to rent your home may be the best choice.  Read More
Find a home buying Advisor
Asking for help is not always easy, but when it comes to purchasing your first home it could be the best decision that you every make. If you are buying a HUD home, it is required that you meet with a Guidance Advisor. With little or no out of pocket expense, you have nothing to lose. Find an advisor in your area.
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FHA refers to the Federal Housing Authority, which is a division Federal Department of Housing and Urban Development. The FHA provides insurance on mortgage loans made by approved lenders, such as Fannie Mae and Freddie Mac.  In the U.S, all mortgage loans require the buyer to secure insurance. Find answers to all of your FHA questions.  Read More

Rural Housing
The USDA has numerous programs for low income people wishing to secure real estate in rural America. Find information such as eligibility requirements, types of loans, income levels and the terms of rural loans.  You can also get a list of resources that can help you find funding options, properties for sale and more.
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Which Loan Type is Right?
When you apply for a mortgage to buy your new house, you will be faced with different types of mortgage loans. These loans are all based on current or future interest rates. Knowing the difference between them can save you a substantial amount of money and may make the difference between owning your home and foreclosure.  Read More

Credit Problems
There are many people that have imperfect credit. There are many reasons; divorce, medical bills, high credit card balances, too much outstanding credit, etc. Having imperfect credit does not automatically mean you cannot get a loan to buy your dream house. Discover ways to improve your score, find out if you qualify for a subprime loan and more.  Read More

Adding up the Costs
How much will your new home really cost? The actual costs of a mortgage loan vary depending on a number of factors. How much money will you put down? Will the length of your loan be 5, 20 or even 30 years long? Then there are taxes, insurance and closing costs. Putting it all together can be difficult. Use US Banks website to add it all up.  Read More


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