How To Get Grants For A Down Payment For Maryland First Time Home Buyers

How To Get Grants For A Down Payment For

Maryland First Time Home Buyers 

( Original Article Here)

Did you know that there are 2,290 down payment programs across the country waiting for home buyers to apply for funds. .and most of these remain unused  just because home buyers are unaware they even exist!

This is according an analysis recently issued by RealtyTrac, a real estate data provider, and Down Payment Resource, a purveyor of home-buyer assistance programs. 

Did you know that the average amount of down payment assistance per buyer is $11,565, according to this analysis?

The problem is, few first time home buyers don't know this type of help exists—ignoring all the money out there to help them become homeowners.

There’s a lot of missed opportunities here and we encourage you to take advantage of all these possibilities if you are buying a home in 2016.

5 Easy Ways To Save For a Down Payment 

A Down Payment Assistance  grant decreases homebuyer costs, avoids burdening the home buyer with additional debt and allows them to afford a more expensive home.

Ask Your Realtor and Your Lender

Your Realtor and lender alike need to research and understand various funding resources for your particular needs as a buyer...if they are not doing this, you need a different Realtor or Lender

Some of the major program types that you may qualify  include the following:

• Below-market interest rate loans or 100% financing
• Mortgage credit certificates that provide annual tax credits for the life of the loan
• Maryland Neighborhood Stabilization Program loans and grants designed to revitalize communities
• Maryland First Time Home Buyer Tax Discounts 

In case you have not hired a Realtor to help you in this process. .

Let us be your guide as a first time buyer homes in our area.

There are many unadvertised programs out there.. and we work in conjunction with qualified lenders that are 100% knowledgeable for all the these grants out there.
We can guide you specifically for Montgomery , Frederick and PG counties in Maryland 
We showcase the finest homes in real estate for sale today
for MD DC and VA

Click on the picture below to get started!

Maryland MLS Homes For Sale

10 HUGE FIRST TIME HOME BUYERS MISTAKES! 

http://www.reallynicehomes.com/blog/how-get-grants-down-payment-maryland-first-time-home-buyers/

Fix Credit Errors Before Buying Your First Home : Advice for First Time Home Buyers

Advice For First Time Home Buyers: Fix Credit Errors First 

First Time Home Buyer Programs - Tips & Help in Maryland 

Video Educational Series 

Home Buyer Education:

Fix Credit Errors First 

Your Realtor® can help you review your credit report with the assistance of a good loan officer.

Just in case you may find something that doesn't seem right, you have the right to contact the company's website who produced the report.

The three main companies that are reporting your credit are:

1. TransUnion
2. Equifax
3. Experian

These companies are required by law to examine any reported errors on credit reports, and correct them if necessary. 

Disputing your credit scores take time and you don't have to do this alone.

Because this process can be lengthy on time, this is why you'll  need to find the right advocate on your sideto stay on top of it 

That advocate is your Realtor®

Getting ready to buy your first home?

Find a good Realtor® first and you are on your way!

I invite you to watch our educational video series is a free comprehensive 15 video part series  to prepare you for your first  home purchase. The videos cover the home buying process, it is a compilation for over 20 years of experience that will give you an advantage to begin the process

Our counselors are ready and waiting to provide you with the care and direction you need to take if homeownership is in your plans.

We can also  offer  guidance on improving your credit. 

To begin receiving counseling, please write us to info@ReallyNiceHomes.com or call 301-246-0001. 

First Time Home Buyers Help for Maryland Residents 

What is Your Debt To Income Ratios? First Time Home Buyer Tips

Advice For First Time Home Buyers: What is Your Debt To Income Ratios? 

First Time Home Buyer Programs - Tips & Help in Maryland 

Video Educational Series 

Home Buyer Education:

What is Your Debt To Income Ratios? 

This ratio represents your amount of monthly payments (bills) compared to your average monthly income. 

DTI Debt-to-income ratio 

Lenders are typically interested in borrowers with a DTI  ratio between  28 percent to  36 percent. These numbers are a general guideline, and not a hard and fast rule.

You'll have a much easier time qualifying for a loan if you fall between this ratio.

If you are presently overwhelmed  with bills and barely having enough money after you get paid...
You don't need to buy a house just yet...
It's time to pay down some of those bills first and lower your DTI 

Getting ready to buy your first home?

Find a good Realtor® first and you are on your way!

I invite you to watch our educational video series is a free comprehensive 15 video part series  to prepare you for your first  home purchase. The videos cover the home buying process, it is a compilation for over 20 years of experience that will give you an advantage to begin the process

Our counselors are ready and waiting to provide you with the care and direction you need to take if homeownership is in your plans.

We can also  offer  guidance on improving your credit. 

To begin receiving counseling, please write us to info@ReallyNiceHomes.com or call 301-246-0001. 

First Time Home Buyers Help for Maryland Residents 

Advice For First Time Home Buyers: Never Buy the First Home You Visit

Advice For First Time Home Buyers: Never Buy the First Home You Visit

First Time Home Buyer Programs - Tips & Help in Maryland 

Video Educational Series 

Home Buyer Education:

Never Buy the First Home You Visit

Never Buy the First Home You Visit

You need to compare houses and that is what we call - comparative shopping

Buyers who fall in love with the first home they see tend to pay more for that home . .

Always visit other potential homes to compare them with all its similarities . .

Take your time to investigate all the other homes available to you. .

No one should rush you here. . . 

A home is a huge investment that you get to live in. . .take your time and be open to see others 

Getting ready to buy your first home?

Find a good Realtor® first and you are on your way!

I invite you to watch our educational video series is a free comprehensive 15 video part series  to prepare you for your first  home purchase. The videos cover the home buying process, it is a compilation for over 20 years of experience that will give you an advantage to begin the process

Our counselors are ready and waiting to provide you with the care and direction you need to take if homeownership is in your plans.

We can also  offer  guidance on improving your credit. 

To begin receiving counseling, please write us to info@ReallyNiceHomes.com or call 301-246-0001. 

First Time Home Buyers Help for Maryland Residents 

The Internet is Your Friend and Foe When You are a First Time Home Buyer. .

Advice For First Time Home Buyers: The Internet is Your Friend and Foe

First Time Home Buyer Programs - Tips & Help in Maryland 

Video Educational Series 

Home Buyer Education:

The Internet is Your Friend and Foe

The internet is full of information about the home-buying process, showing  hundreds of mortgage programs and thousands of lenders. .as you can even find consumer reviews of all these service providers. 

Major listing  providers are known to keep SOLD homes on their inventory for appearance of quantity on their sites. .

Just be careful, big or small, not everyone is an expert as their advice may be more beneficial for them than you

Search for that Realtor® on your own and not juts pick the first one you see on the Internet. .
...ask friends and family and find the person you are most comfortable with and then be loyal to this person. .
since you are going into this journey for the first time  and need their protection

Getting ready to buy your first home?

Find a good Realtor® first and you are on your way!

I invite you to watch our educational video series is a free comprehensive 15 video part series  to prepare you for your first  home purchase. The videos cover the home buying process, it is a compilation for over 20 years of experience that will give you an advantage to begin the process

Our counselors are ready and waiting to provide you with the care and direction you need to take if homeownership is in your plans.

We can also  offer  guidance on improving your credit. 

To begin receiving counseling, please write us to info@ReallyNiceHomes.com or call 301-246-0001. 

First Time Home Buyers Help for Maryland Residents 

First Time Home Buyers in Maryland : Getting Prepared

Advice For First Time Home Buyers: Getting Prepared

First Time Home Buyer Programs - Tips & Help in Maryland 

Video Educational Series 

Home Buyer Education:

Getting Prepared

Being an educated consumer is always a smart move, specially when you are ready to  purchase 

something as important and expensive as a new home.

A solid understanding of the home-buying process is your best asset and should be your first step

You are going to need the services of a Realtor®, Loan Officer, Home Inspector, Termite Inspector, Appraiser, Title Search Coordinator, Attorney and Moving Services. .

Don't worry, 

You just need one person to guide you and help choose all these services based on performance, experience and results

Getting prepared to buy your first home?

Find a good Realtor® first and you are on your way!

I invite you to watch our educational video series is a free comprehensive 15 video part series  to prepare you for your first  home purchase. The videos cover the home buying process, it is a compilation for over 20 years of experience that will give you an advantage to begin the process

Our counselors are ready and waiting to provide you with the care and direction you need to take if homeownership is in your plans.

We can also  offer  guidance on improving your credit. 

To begin receiving counseling, please write us to info@ReallyNiceHomes.com or call 301-246-0001. 

First Time Home Buyers Help for Maryland Residents 

10 BIGGEST HOME BUYER'S MISTAKES

10 BIGGEST HOME BUYER'S MISTAKES

If you’re a first time home buyer, chances are that you are not ready for the experience.. as you’re just looking for a house that will cater to your specific needs but is a lot more!

There are many pitfalls that could end up costing you money

It’s almost improbable to step into the home-buying market for the first time and immediately buy your dream home. 

That’s why it takes a lot of preparation and with the right guidance, you will find that perfect home for you!

Watch our video version below. . 

Sign up to receive 

"The Hottest  Deals in Maryland Listings Today" 

BELOW

Let us be your  guide to a all the first time buyer homes in our area. There are many unadvertised programs out there.. 

We can guide you specifically for Montgomery , Frederick and  PG counties in Maryland 

We showcase the finest homes in  real estate for sale today

 for  MD DC and VA

Click on the picture below to get started!

10 BIGGEST HOME BUYER'S MISTAKES

YOU CAN AVOID BY WORKING WITH OUR AGENTS!

Discover Villages of Urbana in Frederick Maryland : Real Estate Showcase

http://www.reallynicehomes.com/blog/discover-villages-urbana-frederick-maryland-real-estate-showcase/

Discover Villages of Urbana in Frederick Maryland

Villages Of Urbana Real Estate in Frederick MD

What about Urbana?

Urbana Maryland has approximated 4,000 plus residents and is located in the northern part of the state of Maryland, in Frederick County. This primarily residential community has experienced a robust and significant growth due to it’s proximity to the US Capital. Search Urbana Listings Now!

Urbana's  Population Explosion!

Urbana is the fastest growing community in Frederick County. Located at the southern edge of the county just bordering Montgomery County, Urbana is ideally located on I-270 midway between Baltimore and Washington, DC, giving easy access to both.

Named the "2009 Best Selling Community in Maryland", Urbana not only includes showcases the newest and best that Frederick County has to offer, but also has a brand new three story 25,000 square foot library, several newly installed public swimming pools, plenty of tennis and basketball courts, new shopping centers, and a just opened district park.

 Search Urbana Listings Now!

Villages Of Urbana Latest Listings

$325,000

9064 MCPHERSON STREET, Frederick

ABSOLUTELY GORGEOUS CITYSCAPE TOWNHOME within walking distance of restaurants, shopping, library. BEAUTIFULLY maintained and loaded with extras including: hardwood floor...

• Beds 3
• Baths 4.0
• MLS FR7929718

$419,000

3940 LOCH NESS COURT, Frederick

This home is complete and ready to move in without having to re-do! Long list of recent upgrades available, including flooring and beautiful new kitchen. HVAC replaced ...

• Beds 4
• Baths 4.0
• MLS FR7929329

$338,500

3602 SPRIGG STREET SOUTH STREET, Frederick

PRIDE OF OWNERSHIP SHOWS THROUGHOUT THIS STUNNING SHOWCASE OF A HOME! Move in ready. Perfect decor. Upgrades throughout the entire home. Professional landscaping. L...

• Beds 3
• Baths 4.0
• MLS FR7928919

$329,900

3927 SHAWFIELD LANE, Frederick

GIVEAWAY PRICE!! This home is like brand new. It is spotless. Huge home with 3 level bump out w/ 2748 SF of living space plus fenced yard and detached two car garage. Mai...

• Beds 3
• Baths 6.0
• MLS FR7896612

$299,900

8919 AMELUNG STREET, Frederick

Short Sale. Very spacious Brick End unit TH 3 bedroom 2fb &2 hb home located in the Villages of Urbana. Hardwood floors on main level. Huge kitchen with stainless steel ...

• Beds 3
• Baths 4.0
• MLS FR792610

Urbana Realtor:

If  you're considering buying a home or selling a home in Urbana Maryland , it's a good idea to work with a local real estate expert to help ease the real estate purchase process. There's far more to home buying than just searching Urbana Maryland Homes. 

For your consideration,. I would like to introduce my Team Of Realtors_ Herboso & Associates. , we can give you the knowledge, advice and counsel you need to make the right decisions about your real estate investment.

301-246-0001

  

 Search Urbana Listings Now!