First time home buyers!!

You've come to the right place. I worked for a national lender for over 10 yrs!   Here's what you need to do:


Get together the following documents-



2 yrs W2s

current paystub

3 months bank statements

If you get paid 1099, then 2 yrs and your tax returns.



Now, every lender asks for different documentation, but these are the 'bones'. You need to be prequalified to make an offer. DO THIS FIRST!



Call/contact a bank or mortgage broker. 



They will help you determine whether or not you can qualify for a home. They will tell you how much to expect to need for down payment (based on available programs), how much closing costs are and they will tell you your estimated payment.



Then you come back to me. You and I speak about what your needs are today, and your plans are for the future (moving? Babies? etc). That way we make a good decision! I'll set you up on a Real Estate Search engine so you can surf through listings to get an idea of what you can afford. We'll pick your top 5 and tour each home. Once you choose a home to buy, I will get comparables for you so you don't over pay. We will send the offer and your prequalification letter to the list broker and negotiations will begin with the seller.



Once we get an accepted offer, you will need a home inspection.   I will give you 3 names and you can choose one, or choose one that you already know. Home inspections are worth every dime.



Once the home inpsection is done, and you approve, we will move forward. Your lender orders an appraisal. The title co orders title, and you start worrying about what color to paint your kitchen!



I'm with you from start to finish. Having worked for over 10 yrs with national lenders, I know the 'routine'. I've bought and sold SWFL Real Estate for over 10 yrs. Together we will find the right home for you and your family!!

Provided by:
Claudia A DeBruyn, Realtor
cell/text 781-799-7570