CONGRATS!

You’ve decided to start the home ownership journey. I am so excited for you! I know, I’ve been there. It can be overwhelming, but I assure you that if you just take one step at a time…and breath, it will work out. I welcome the opportunity to work with you. I’m providing a step by step guide, and resources to help you move forward. Included in this post are some great home buying resources.

GET PRE-APPROVED

Jumping in and touring homes is exciting, but I caution you to start before getting pre-approved by a lender. This is different than pre-qualification. Being pre-approved means that you have put all of your financial documents on the table with a lender, and have received a “pre-approval letter” to show realtors that you are ready to purchase a home. Once you receive that, it is typically suggested that you go to at least 2 other lenders to make sure you are receiving the best deal for your situation.

ASK ABOUT DOWN PAYMENT ASSISTANCE PROGRAMS

Lenders are approved for specific down payment assistance programs. Ask each lender. Realtors can give you a list of more resources. Here are some online resources:

MN Residents: One Roof Housing

NerdWallet provided a list of mortgages suited for first-time home buyers for 2023.

LENDER RESOURCES

2022 MN First Time Home Buyer/MN Programs

As your agent, I will give you all the answers you need. I work with a wonderful team of realtors at Messina & Associates Real Estate. So, you will be happy when you hire me to assist you to find your home. I will be on your side and work tirelessly to help you into your dream home. Give me a call or text 218-349-1792