First Time Buyer?
If you are a first time buyer, you are sure to have a lot of questions. We have come across a general list of 47 questions that are usually answered by home buyers. You can get the answers to each of these in a FREE report sent by email or direct mail.

Please click here to use our contact form then fill out your name, email address and in the comments section type "Request Buyers Report". If you want it mailed to you, provide your name and full mailing address.

Also, please ensure that whatever method you choose, the address you supply is complete and accurate to ensure that we will be able to provide you with the information you are requesting.

1. HOW DO I KNOW IF I'M READY TO BUY A HOME?

2. HOW DO I BEGIN THE PROCESS OF BUYING A HOME?

3. HOW DOES PURCHASING A HOME COMPARE WITH RENTING?

4. HOW DOES THE LENDER DECIDE THE MAXIMUM LOAN AMOUNT THAT CAN AFFORD?

5. HOW DO I SELECT THE RIGHT REAL ESTATE AGENT?

6 .HOW CAN I DETERMINE MY HOUSING NEEDS BEFORE I BEGIN THE SEARCH?

7. WHAT SHOULD I LOOK FOR WHEN DECIDING ON A NEIGHBOURHOOD?

8. HOW CAN I FIND OUT ABOUT LOCAL SCHOOLS?

9. HOW CAN I FIND OUT ABOUT COMMUNITY RESOURCES?

10. HOW CAN I FIND OUT HOW MUCH HOMES ARE SELLING FOR IN CERTAIN COMMUNITIES AND NEIGHBORHOODS?

11. HOW CAN I FIND INFORMATION ON THE PROPERTY TAX LIABILITY?

12. IS AN OLDER HOME A BETTER VALUE THAN A NEW ONE?

13. WHAT SHOULD I LOOK FOR WHEN WALKING THROUGH A HOME?

14. WHAT QUESTIONS SHOULD I ASK WHEN LOOKING AT HOMES?

15. HOW CAN I KEEP TRACK OF ALL THE HOMES I SEE?

16. HOW MANY HOMES SHOULD I CONSIDER BEFORE CHOOSING ONE?

17. WHAT DOES A HOME INSPECTOR DO, AND HOW DOES AN INSPECTION FIGURE IN THE PURCHASE OF A HOME?

18. DO I NEED TO BE THERE FOR THE INSPECTION?

19. ARE OTHER TYPES OF INSPECTIONS REQUIRED?

20. ARE POWER LINES A HEALTH HAZARD?

21. DO I NEED A LAWYER TO BUY A HOME?

22. DO I REALLY NEED HOMEOWNER'S INSURANCE?

23. WHAT STEPS COULD I TAKE TO LOWER MY HOMEOWNER'S INSURANCE COSTS?

24. HOW DO I MAKE AN OFFER?

25. HOW DO I DETERMINE THE INITIAL OFFER?

26. WHAT IS THE DEPOSIT? HOW MUCH SHOULD I SET ASIDE?

27. WHAT ARE "HOME WARRANTIES" AND SHOULD I CONSIDER THEM?

28. WHAT IS A MORTGAGE?

29. WHAT IS A LOAN TO VALUE (LTV) HOW DOES IT DETERMINE THE SIZE OF MY LOAN?

30. WHAT TYPES OF LOANS ARE AVAILABLE AND WHAT ARE THE ADVANTAGES OF EACH?

31. WHEN DO ARMS MAKE SENSE?

32. CAN I PAY OFF MY LOAN AHEAD OF SCHEDULE?

33. ARE THERE SPECIAL MORTGAGES FOR FIRST-TIME HOMEBUYERS?

34. HOW LARGE OF A DOWN PAYMENT DO I NEED?

35. WHAT IS INCLUDED IN A MONTHLY MORTGAGE PAYMENT?

36. WHAT FACTORS AFFECT MORTGAGE PAYMENTS?

37. HOW DOES THE INTEREST RATE FACTOR IN SECURING A MORTGAGE LOAN?

38. WHAT HAPPENS IF INTEREST RATES DECREASE AND I HAVE A FIXED RATE LOAN?

39. WHAT STEPS NEED TO BE TAKEN TO SECURE A LOAN?

40. HOW DO I CHOOSE THE RIGHT LENDER FOR ME?

41. HOW ARE PRE-QUALIFYING AND PRE-APPROVAL DIFFERENT?

42. WHAT IF I FIND A MISTAKE IN MY CREDIT HISTORY?

43. WHAT IS A CREDIT BUREAU SCORE AND HOW DO LENDERS USE THEM?

44. HOW CAN I IMPROVE MY SCORE?

45. HOW DO I CHOOSE THE BEST LOAN - PROGRAM FOR ME?

46. ARE THERE ANY COSTS OR FEES ASSOCIATED WITH THE LOAN ORIGINATION PROCESS?

47. WHAT RESPONSIBILITIES DO I HAVE DURING THE LENDING PROCESS?