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For help in all areas of Real Estate, Contact Pam Armstrong cell/text 978-808-2808
	Home  Contact Me  Search for Homes  Contact Login  Your Home's Value  Mortgage Calculator  Realtor.com  Town of Chelmsford  Town of Westford  City of Lowell  Registry of Deeds  Sign Up Now  10 Quick Fixes To Sell A Home  6 Ways First Time Buyers Can Prepare  Renovations or Additions? Pamela Armstrong, Associate Broker Coldwell Banker 34 Chelmsford St Chelmsford, MA 01824 Cell Phone: 1-978-808-2808 Email: pamela.armstrong@cbrealty.com Privacy Policy			6 Ways First Time Buyers Can Prepare Daily Real Estate News 6 Ways First-Time Buyers Can Prepare A cooling housing market gives buyers, especially first-time buyers, more opportunities to snatch up a good deal. But just because there are good deals, doesn't always mean buyers are ready to make the leap. These six tips will help prospective buyers find out if they are ready for homeownership. 1. Take a first-time home buyer class. It will make repairing a credit score and shopping for a loan less stressful. 2. Be conservative. Borrowing too much can mean stretching and even sacrificing — to the point that it's hard to even keep a six-pack of beer in the fridge. 3. Organize documents. First-time buyers should keep a pay stub, W-2, and bank and retirement account statements on hand to expedite the loan application process. 4. Get pre-approved. Before starting the homebuying process, consumers should get pre-approved by at least one lender. Being pre-approved won't lock buyers in to a loan but it may save them the heartache of falling in love with a home they really can't afford. 5. Play house. Every month, prospective buyers should bank the amount that they'd have to pay if they owned a home. It's good practice so they'll be ready for the real thing. 6. Consider all the costs. It's not just a mortgage payment they have to worry about. Repairs, assessments, and other costs of homeownership can add up quickly.
If you are interested in a "Truly Remarkable" agent to assist you with buying or selling, Please call Pam Armstrong today at 1-978-808-2808. Licensed in Mass & NH. I also handle commercial, land & multi-family properties.