FIRST TIME HOME BUYERS
Are you a first time home buyer? Welcome! You are embarking on an exciting adventure with a wonderful goal – to own your own home in the here and now and make a practical investment for your long-term future. I still remember the first time we bought our very own home and what a scary, exciting, exhilarating thrill that was. There was no internet then! Not a lot of books available to help guide us. It's definitely a lot better now with good info all around, including right here. I've got several excellent resources to help you in this fun journey!
FIRST TIME HOME BUYER RESOURCES
Many of the posts here at KayeSwain.com can be a big help. Especially:
- Several Useful First Time Home Buyer Options and Resources
- Home Buying Tips for First Time Home Buyers
- Get Your Credit Score in Shape Before Buying a Home
- Buying a Home? 7 Tips from Real Estate Insiders
- Condos in the Roseville Sacramento Area
- A Quick Way to Find Beautiful Old Homes For Sale In The Roseville-Sacramento Area
My free real estate app can be a big help – both for searching the MLS more accurately plus it's got a handy mortgage calulator. CLICK HERE to download it easily.
Pinterest Boards – I have several useful ones on buying a house prep, mortgages, loans, closing costs, moving tips, a specific board for the first time home buyer, and more.
Local Programs for First Time Home Buyers
The definition of a first time home buyer can be (though it may vary),
“You must be a First Time Home Buyer – Participants cannot have owned their primary residence within the last three (3) years (except for displaced homemakers).”
So you may have owned several homes, yet still qualify to be a first time home buyer. 🙂
Some of the programs for First Time Home Buyers include:
CALIFORNIA – Homebuyer Programs Sorted by County – California
PLACER – First Time Home Buyer Assistance Program – General Info
ROSEVILLE, CA – First Time Home Buyer Downpayment Assistance Program
ROCKLIN, CA – It may state there are no funds. But I've put the link here for you to check up on it periodically as funding could be reinstated again.
CITRUS HEIGHTS, CA – The Citrus Heights First-Time Home Buyer Program is a Down Payment Assistance (DPA) Program.
Of course, you can always CALL KAYE at 657-229-KAYE and I'll be glad to help you connect with a resource-full lender who will have all the details on these and any other first time home buyers programs in the area.
Wise Resources for the First Time Home Buyer
Buying a home is expensive. Even those who qualify for a VA loan have expenses, such a the home inspection. Then you own the home and you don't have a landlord to call if something breaks. It can definitely seem intimidating. One thing that has helped me personally in the past and still does to this day is a home warranty. I've read pros and cons to those. And they're not perfect. But I've personally used Old Republic Home Warranty for decades and been very happy with them. It helps me spread out the cost of any repairs over time (since I only pay a $60 co-pay for each repair (it may have gone up a bit in the last year or so) and they've really saved my bacon more than once. In fact, I think they are so practical, I have them on my rental homes as well.
Another way to make purchasing a home easier for you? I give you a wide variety of ways to search the MLS for homes for sale right here at KayeSwain.com You can use the search form at the top to put in your own specific criteria, CLICK HERE for a very detailed list of options to pick from for your search, or just enjoy browsing the houses below for homes for sale under $315,000 in the Placer, Sacramento area.
When you are ready to start looking at homes for sale, or if you need help with any of your real estate needs, definitely – CALL or TEXT KAYE at 657-229-KAYE or 916-768-0127 or send me an email at KayeSwainRE@gmail.com
Placer County Homes for Sale Under $316,000
Sacramento County Homes for Sale Under $316,000
P.S. You can also CLICK THIS LINK to see those houses along with more information about them. 🙂
P.P.S. Ready to go out? Just Call Kaye 657-229-KAYE or 916-768-0127. 🙂
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