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First Time Homebuyers: Southbury, Woodbury, Middlebury, Oxford, and Newtown Connecticut home buying, real estate listings, and homes for sale in New Haven County, CT

Welcome > For Buyers > First Time Homebuyers ...

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

You might be a bit afraid or intimidated by the whole process of buying your first home. As top Southbury, Woodbury, Middlebury, Oxford, and Newtown real estate experts, it's our job to guide you, from beginning to end.

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

New to the home buying process? Tell us your concerns. Ask us questions. It's our job to help! There's no obligation, and we 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 is arguably the world's strangest (and most dysfunctional) kitchen?
A	In 1998 the Kemper Museum of Contemporary Art in Kansas City first displayed a kitchen made entirely of 40 million colored glass beads by artist Liza Lou of Topanga, California.
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Jim Beamish and Kendra Brown, REALTORŽ, real estate agents and broker for Southbury, Woodbury, Middlebury, Oxford, and Newtown Connecticut home listings, property and land for sale - NUMBER1EXPERT(tm)

Jim Beamish and Kendra Brown
William Raveis Real Estate and Home Services
385 Main Street South
Southbury, CT. 06488
Direct: 203-262-1508
Fax: 203-262-1536
Email: KendraandJim@NUMBER1EXPERT.com
Jim Beamish and Kendra Brown, professional full-time Realtors, are the number one real estate team in Southwestern Connecticut. State-of-the-art computer technologies, the use of real estate assistants and a strong sales and business background enable them to provide superior customer service. Customers describe them as "professional," "patient," and "exceptionally tuned in to customer needs." As one homebuyer said, "Jim and Kendra were the first Realtors to show us exactly what we wanted to see." As a team, they are available more than any single Realtor could be, and customers appreciate this.

www.kendraandjim.com is brought to you by Jim Beamish and Kendra Brown
NUMBER1EXPERTS™ in real estate for Southbury, Woodbury, Middlebury, Oxford, and Newtown, Connecticut

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