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 

First Time Home Buyer Programs * Tips * Help * Maryland | Video Educational Series

First Time Home Buyer Programs * Tips * Help * in Maryland | Video Educational Series 

Home Buyer Education:

Are you a first-time home buyer eager and ready  to get into the market? 

Here are some steps to take to help you decide whether you're ready or not 

1. Check first what you can afford

2. Use a mortgage calculator to get an idea of what your monthly mortgage payments would be if you bought your first home today

3. Find out what your total monthly housing cost would be, you will need to include taxes and homeowners insurance..

4. Find out how much you'll likely pay in closing costs. The upfront cost when buying a  home shouldn't be overlooked 

5. Look at your budget and determine what is your Debt to Income Ratios

6. Talk to reputable Realtors in your area about your real estate needs

7. A good Realtor®  will help you  look at the big picture. While a buying a house is a huge step in your life and is a great way to build wealth.

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

A sample of our video series:

Steps To Save Thousands of Dollars When Buying Your First Home 

Some of the programs available for Maryland buyers: 

• CDA
• Fannie Mae NO PMI Program
• USDA Zero Down Loan Program
• Good Neighbor Next Door Program
• Fannie Mae HomePath Renovation Program
• Down Payment Assistance and Grant Programs
• HUD Home Loan Program
• Streamline 203k Renovation Loan Programs
• VA or Veteran Loan Plus Program

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 Buyer Programs * Tips * Help * in Maryland | Video Educational Series