First Time Homebuyers

If you answered YES to any of the above questions then you are in the right place! Our First- Time Homebuyers Program is specifically designed to assist those new to the home buying market to realize their dream of homeownership. Here at Pat DuBois Realty we understand the concerns of new homebuyers; buying a home is usually the largest single investment of one's life, one that needs PROFESSIONAL ASSISTANCE.

OUR PROGRAM

• Qualifying - This is the process of determining just what a buyer can afford in the current market. There is nothing more disheartening than to find a home you want and then finding out that you cannot afford to buy it. To preclude this from happening, we perform a detailed analysis of your finances to determine what price range in which you are "qualified" to buy a home.
  At this point we then have one of the most important discussions in the home buying process; namely, how much do you feel comfortable spending on a home. Just because a lender will offer you a mortgage for X amount of money does NOT mean that you should spend that much on a home. There is no point in having a home and not being able to fix the car when it breaks down (and it will). So we will discuss this matter with you at length so that you end up with the "right" home for you.  Then we can proceed to:

• Determining Your Representation- For First Time Buyers we STRONGLY recommend Buyer Broker representation. Remember, an agent who is not a buyer agent represents the seller in the transaction; as a first time buyer you want a personal representative in the process who is looking out for YOUR INTERESTS. (Click on the above link to find out more about Buyer Broker representation) Next we will begin the process of:

• Finding Your Home- At Pat DuBois Realty we use state-of-the-art search methods (as well as good old fashioned networking) to find all the properties that you may be interested in and are "qualified" to buy. Then we will review with you the possibilities to determine which homes you would like to view. Then we will show you the homes that YOU CHOOSE. After finding the home you wish to purchase we will then:

• Assist You in Negotiations- This is where the first-time buyer derives the greatest benefit from Buyer Agency. If you choose us as your personal representative at the negotiating table we will assist you in getting the most favorable terms for your purchase. From making your initial offer to dealing with counter- offers, through the entire negotiating process; we are with you every step of the way. After your offer to purchase is accepted, it is time for us to explore:

• Financing Your Purchase- As professionals in our field we keep abreast of all the financial options available to homebuyers. Lending institutions have a variety of mortgage plans tailored to the needs of buyers; we will help you find the best option for your budget. Our firm has had consistent success in assisting first-time buyers obtain financing.We review the cost of borrowing money and the cost of "closing the deal", there are never any unpleasant surprises when we close a deal. Now that your financing is in place it is time to go to:

• The Closing- Our broker will accompany you to the closing. Before we go in the door you can rest assured that all the t's are crossed and i's dotted; we arrive ready to close the deal! We will go through each document line by line, making sure that the deal on the table is the one agreed to in negotiations.

CONGRATULATIONS- YOU'RE A HOMEOWNER!

If this sounds good to you, if you want to participate in the "American Dream" of owning your own home, let us help you realize your dream.

Just fill out the form at the bottom of this page and one of our agents will contact you and start you on the road to owning your own home!