First-Time Buyers

Dreaming of owning your first home?  Tired of shoveling out rent for a home or apartment that doesn't feel like yours?  Take heart, changing from renter to homeowner may be easier than you think.  We're here to help. Whether you already live in Walla Walla or are moving to the area, let us, your Walla Walla relocation specialists help you.

According to the Federal Reserve, the median household weath accumulation for a homeowner was $184,000; in comparison, the median net worth of a renter was $4000. Once you purchase a home, you'll soon learn the tax advantages of owning and the opportunity build equity (or wealth) over time.Don't you think it's time for you to start moving in the ownership direction?

Where do you start? You can click here for a free report to help you.  "With a little preparation, finding and purchasing your home can be a positive experience. But, if you...." click here for BUYER MISTAKES

First of all, learn the financing basics.  Get pre-approved and become a smart shopper.

When you buy your first home, making monthly payments  probably won't be a problem.  After all, you're already paying rent to your landlord each month. It's coming up with the lump sum needed for a down-payment that may seem impossible. Fortunately, there are options to make buying your first home a happy reality.

Programs for first-time buyers.   There are several local or federal government programs that help first time buyers get into the housing market.  Ask us about these options.

Your lender.   Your bank or credit union may help as well.  Are you debt free and own something free and clear, like a car?  Your lender may lend you the down-payment by securing it against this asset.

Private contracts.   Look for a seller to help you buy and finance your home. Some sellers are willing to carry the contract themselves and will waive the down payment.  You may only have to pay the monthly mortgage installments.

Need financial solutions?

Credit or tax problems.   Do you have problems with your credit rating or owe money in taxes? Buying your first home is still a possibility. Check with your lending institution about options, such as paying a higher down- payment.

If necessary, contact a financial advisor or tax resolution service.