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First Time Home Buyers
Welcome > For Buyers > First Time Homebuyers ...

Buying Your First Home? We are your EXPERTS, with references..... 

AS OF 10/5 THE CITY 6K GRANT FUNDS ARE HALF GONE!! 

WWW.cedar-rapids.org/government/departments/community-development/housing/pages/firsttimehomebuyerprogram/aspx  

PRIORITY IS GIVEN TO THOSE WITH A PURCHASE CONTRACT IN HAND!!!!  

We have two agents on our team with ACTUAL lending experience. We have agents trained to be able to qualify you on the spot, so you know what you can afford and what your monthly payment will be.  

Our agents are also trained to aid you in minimizing the down payment you need in order to purchase a home.  

We also have a group of lenders on call 24/7 to ensure you get the best deals and the best rates possible. See those lenders in our "affiliates" section. You can actually fill out the loan application there!  

We know this can be scary, we know you may have had credit issues in the past...we are here to tell you owning a home is a possibility. You've come this far, fill in your details. You won't know until you try.  

You might be a bit afraid or intimidated by the whole process of buying your first home. As area real estate experts, it's our job to guide you, from beginning to end. 

We 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 us a bit about your situation below. We'll get right back to you. There is absolutely no charge, let's get started on your home ownership!  

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

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Real Estate Tips
Financing Your Home >Financial Help

Escalating home prices often cause many first-time buyers to seek help from their families for the down payment on a new home. If your parents are providing financial assistance for the purchase of a home, it is important that you have very clear agreements with them about the conditions under which their help will be provided.

Sit down with your parents to discuss the details of the arrangement. Is the money they are providing a gift or a loan? If it is a gift, be sure to check with your tax expert to minimize the tax implications. If your parents are loaning the money for the down payment, how will it be paid back? Will there be joint ownership with an equity-sharing agreement? Will your parents be named on the ownership papers with you? Are special documents needed?

Whatever form it takes, parents who help their children buy a home give them an incredible gift!

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Real Estate Trivia
Q 
Due to low business and living expenses, what areas are considered to be the fastest growing in the country?

A 
According to recent studies, the Southern and Western regions of the U.S. are among the nation's strongest economies.
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The Graf Home Selling Team, REALTOR®, real estate agent and broker for Cedar Rapids, Hiawatha, Marion and Robins, Iowa home listings, property and land for sale - NUMBER1EXPERT

Mike and Teri Graf
Graf Home Selling Team & Associates

1190 Twixt Town Road Suite 2
Cedar Rapids, IA 52402
Primary Phone: 319-491-0000
Mike's Cell: 319-981-3702
Teri's Cell: 319-981-1748
Fax: 319-362-0850
INFO@GHST.COM

SOLD!! IN 120 DAYS OR WE BUY IT!! View The Graf Home Selling Team & Associates, A TEAM THAT HAS EARNED DIAMOND NUMBER ONE EXPERT RECOGNITION!!. Here You Can Find Great Information on Cedar Rapids, Hiawatha, Marion, Robins, and surrounding area homes for sale! LISTEN TO US LIVE EVERY OTHER FRIDAY ON WMT AM 600 ON THE REAL ESTATE EXPERT HOUR. WE ARE THE REAL DEAL! EXPERIENCE MATTERS, PROVEN RESULTS. CALL US TODAY!

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