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First Time Homebuyers: Greenwich, Old Greenwich and Riverside Connecticut home buying, real estate listings, and homes for sale in Fairfield County, CT

Welcome > For Buyers > First Time Homebuyers ...

Buying Your First Home? REALTORSŽ Are Your Professional Guides. Make Sure You Choose a Top Expert.

You might be a bit afraid or intimidated by the whole process of buying your first home. As a top Greenwich, Old Greenwich and Riverside real estate expert, it's my job to guide you, from beginning to end.

I will take the time to go through each and every step of the buying process. There are no dumb questions!

Together, we will consider:

- How much can you really afford?

- How to qualify for a mortgage.

- How much cash you should put down.

- How to buy a home with little or nothing down.

- What it takes to get approved for financing. What banks and other financial institutions are looking for.

- How much your payments will be.

- The tax advantages of buying.

- Is renting or buying better for you?

Tell me a bit about your situation below. I'll get right back to you. There is absolutely no charge, and I offer this to you with no strings attached.

New to the home buying process? Tell me your concerns. Ask me questions. It's my job to help! There's no obligation, and I promise to get back to you quickly...

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Financing Your Home >Lenders Want to Say Yes

If you wish to buy a home but consider yourself incapable of getting credit, you may be living in the past in terms of assessing your financial situation. Lenders have become more flexible in underwriting mortgage loans.

A recent survey of mortgage lenders revealed some interesting trends. Ninety-six percent of those surveyed had cut their standard down payment requirements for moderate-income buyers, and 93% said they are more lenient regarding debt-to-income-ratios. Ninety-four percent of those surveyed said they now have more flexible approaches to credit histories, and look at rent and utility payments more than credit cards. Seventy-nine percent of lenders say they have relaxed employment criteria. They now look more at your capacity to generate a stable flow of income rather than requiring a long history at one job.

There are more lenders today, and they are in fierce competition with each other. The home loan industry has created entire markets that cater to those with less-than-perfect credit.

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Q	What was the first territorial acquisition made by the U.S. Government?
A	The Louisiana Purchase from France in 1803 for $15,000,000 increased U.S. national territory by 140%.
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Barbara Wells, REALTORŽ, real estate agent and broker for Greenwich, Old Greenwich and Riverside Connecticut home listings, property and land for sale - NUMBER1EXPERT(tm)

Barbara Wells
Prudential Connecticut Realty
136 East Putnam Avenue
Greenwich, CT 06830
Direct Line: 203-637-6226
Cell Phone: 203-912-5644
Email: BarbaraWellsRealtor@yahoo.com
A full time Realtor since 1986, Barbara has sold homes totaling over $850,000,000 in her real estate career. She has developed a vast network of satisfied clients and achieved the rank of #1 in the Greenwich Office. Extensive knowledge of new construction, remodeling, technology and negotiations has enabled Barbara to be an asset to both Buyers and Sellers in achieving their goals.

www.FineHomesGreenwich.com is brought to you by Barbara Wells
NUMBER1EXPERT™ in real estate for Greenwich, Old Greenwich and Riverside, Connecticut, luxury homes, fine homes

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