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Buying a home can be one of the most exciting and overwhelming experiences, whether you are a first-time buyer or an experienced one.  Of all the decisions you'll face when buying a home, there's none more important than the person you choose to represent you.  The job of your Sales Associate is to support you in finding the right home with the best possible terms, and to aid you through the entire process.  Your Associate will explain the process of buying a home, and familiarize you with the various activities, documents and procedures that you will experience throughout the transaction. Today purchasing real estate takes knowledge, planning, and patience.  Let a professional work with you to show you how easy your real estate purchase can be. Things to Consider This area will go over many aspects you the buyer should be prepared for. Remember this area is to provoke thought. We will be able to answer and assist in the more advanced situations a buyer might face. Are you ready for Home Ownership? These articles will help you understand the issues involved. You will also be able to learn something about lending and financing as it pertains to home ownerhip.. SELECT ONE Are you ready to buy a home? Making the transition from renting to buying Pros and cons of home ownership How much home can you afford? Calculate your income vs. debt Understand your credit How much do I have to save to buy a home? Homebuying for young people: plan ahead Looking Finding your home is the most important and often the most challenging part of the home buying process! These reports will help you find the home of your dreams by assisting you witht he house hunting process! SELECT ONE Take charge when buying How a realtor can help What type of home do you want? Wish list worksheet House-hunting tips A short guide to real estate lingo and acronyms Don't forget your preapproval letter Choose a home, make an offer Even if you have found a home, making the final choice often involves weighing important criteria and prioritizing your wants and needs.. SELECT ONE How to choose a neighborhood How to choose a home Home comparison chart Buyer Checklist Home Offer Writing - Make an Offer Get a loan Because there are many different kinds of mortgages, it is important that you understand the different types available to you... SELECT ONE What is a mortgage? Mortgage basics Types of mortgage loans What are my mortgage options? How to get a mortgage Applying for a mortgage loan Debt to Income Ratio Inspection and final negotiation The home inspection is an important final step. If you would like to learn more about this and other final procedures such as negotiations and terms and conditions, please read the following.. SELECT ONE Hiring a home inspector Goodbye inspection, hello trouble Inspection checklist Safety Inspection Tips Negotiating a Price Negotiating to yes About Credit History After The Loan Closing and possession The 'closing' is the meeting where you take ownership of your new home. These reports will help you with closing and moving ito your new home, as well as the tax benefits associated with your new home purchase! SELECT ONE Review and Inspect Your Home Closing checklist Closing Costs - Home Affordability How much can you afford? Escrowe Advice Closing Your Home Loan Tax benefits of home ownership are almost too good to be true Home sweet home: shelter from taxes Ormond Beach Real Estate Site Map