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First Time Homebuyers: Paradise, Magalia and Chico California home buying, real estate listings, and homes for sale in Butte County, CA

Welcome > For Buyers > First Time Homebuyers ...

Buying Your First Home? REALTORSŽ 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 Paradise, Magalia and Chico real estate expert, it's my job to guide you, from beginning to end.

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.

New to the home buying process? Tell me your concerns. Ask me questions. It's my job to help! There's no obligation, and I promise to get back to you quickly...

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First Time Buyers >More Down Payment Help

One of the most common deterrents to first-time home buyers is the lack of a down payment. However, the home loan industry has practically re-created itself in the last ten years, making it easier than ever to obtain a mortgage, and new mortgage programs are always cropping up.

Some states sponsor loan programs that allow buyers to purchase a home without putting any money down. A parent or other relative can guarantee repayment of ten percent of the loan if the buyer defaults. The only cash needed is for the closing costs, which typically run about three percent of the loan. Parents can also give their children down payment help through a personal note or second trust deed. The terms can be set up for monthly payments or annual payments amortized over a period of time. You could pay the interest only, and have the payoff due when the property is sold.

With so many alternatives, doesn't it make sense to call your real estate agent for a free consultation? You may be closer to home ownership than you think.

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Q	What is the most common name for a city in the United States?
A	Fairview is the most common city name, according to the 1996 Top Ten of Everything Book.
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Steve Williams, REALTORŽ, real estate agent and broker for Paradise, Magalia and Chico California home listings, property and land for sale - NUMBER1EXPERT(tm)

The Steve Williams Team
Coldwell Banker Ponderosa Real Estate
7020 Skyway
Paradise, CA. 95969
530-872-5444
Fax: 530-876-8292
Email: homes@stevewilliamsteam.com
Steve began his real estate career in 1979 and has been the top Realtor on the ridge every year since 1983. For the last several years, he and his team have successfully assisted over 250 families each year with their move. Besides specializing in residential, commercial, vacant land and investment property, Steve has extensive experience in 1031 tax deferred exchanges, investment strategies, financial planning and negotiating. Steves honesty, passion for real estate and sense of humor will make your experience successful and fun! Steve and his team would be happy to assist you with your real estate needs. Thank you for visiting the Steve Williams Team websitewe look forward to meeting you!

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