Lucretia Dean

"I Get The JOB DONE"

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First Time Home Buyers

Welcome >Lucretia Dean> For Buyers > First Time Homebuyers ...

Buying Your First Home? Realtors Are Your Professional Guides. Make Sure You Choose a Top Expert.
 

You might be a bit afraid or intimidated by the whole process of buying your first home. As a top North Alabama real estate expert, it's my job to guide you, from beginning to end. As well as priding myself in not being a Realtor who promises, but one who delivers. I am a Realtor who will "Get the Job Done!" and done to your standards.

I 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 me a bit about your situation below. I'll get right back to you. There is absolutely no charge, and I offer this to you with no strings attached. Please fill out the form below...
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About You
* First Name
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* Email Address
About Your Move
When are you moving?
Where are you moving?
About Your Home Search
Number of Bedrooms?
Number of Bathrooms?
Homes Square Footage?
* Your Price Range?
Additional Features:
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Moving to the area? Request a relocation packet full of information on our area as well as detailed maps.
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* Please email me a list of home matching my criteria: Yes
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Information on Recently Sold/Listed homes
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A Real Estate Tip

House Hunting Tips

 

If you are house-hunting, you may spend hours looking at homes only to have them all blend into one giant blur at the end of the day. Which house had that beautifully designed great room? Was it the same one with the small master bedroom? You can remember what is important about each of the many properties that you saw by using the little tricks developed by real estate agents to help them identify the thousands of properties they see.

Carry a notebook with you when you are house-hunting, and give each house its own page. At the top of the page, note the address and price. Write down the exterior construction, style and color, as well as the color of the living room carpet and walls and any other major feature that will jog your memory later. You can nickname the houses--"the cow mailbox house" or "organic garden house"--anything to help you retain a mental picture of the property. This will enable you to recap the day and give your real estate agent important feedback that can speed up your search for the perfect home!

 Another Real Estate Tip

Choosing A Lender

 

When you are buying a new home or refinancing your present one, it is wise to do some comparison shopping among lenders. A low interest rate isn't the only criterion by which to evaluate a loan. You should also consider the terms of the mortgage, what your closing costs will be and the reputation of the lender.

Real estate agents are a good source of information about loans and lenders, whether you are buying a home or just refinancing your present home. We routinely assist buyers when they need a mortgage in order to purchase a home. We know what loan packages are available and the qualifying requirements. The companies with the lowest rates sometimes have very conservative underwriting guidelines, and may not be willing to make loans on certain types of property or to buyers who are marginally qualified. We can tell you which companies and loan officers will go the extra mile to provide excellent service to make sure that the transaction closes.