Helping Sellers list their home and Buyers find homes in Lucas, Ottawa, Sandusky and Wood Counties.
Providing Customized Real Estate Service and Communications to Home Buyers and Sellers
We would like to help you with financing and looking for a home. We would be the person to represent you in the purchase of a home and not the seller. First of all, to get started in the process to get a loan you will need to know your credit score. If you do not know what your credit score is or need help with your credit score. You will need a credit score of at least 640 to get a loan. If you are a veteran the best loan for you is a VA loan. A VA loan has no money down and the closing cost is added to the loan. VA web site is www.Benefits.VA.Gov/homeloans If you are not a veteran than the next type of loan would be an FHA loan with 3.5% down or less. FHA web site is www.FHA.Gov The next type of loan would be a conventional loan with 3-5% down or more. Not all lenders can do VA or FHA loans so you will need to ask your lender. Check out this web site www.ohiohome.org because with an FHA loan they have programs to pay 2.5% of the 3.5% down payment. They also have programs for "First time home buyers", "Grants for Grads" and "Ohio Heroes Program" for firefighters, EMT, health care workers, police officers and teachers. Again, not all lenders can do this program, you will need to ask a lender, or you can find the lenders at the OhioHome web site. When you meet with a lender you will need to take: Complete signed Federal Tax Returns & W-2 for the past 2 years, pay stubs for the most recent 30 day period showing YTD earnings, all pages of bank account statements including stocks and securities for the most recent 2 months, license or State Photo ID and if applicable: cancelled checks showing rental payments for most recent 12 month period, divorce decree documentation, DD214 for a VA loan and child support documentation. After you go to a lender and apply for a loan the lender will give you a pre-approval letter. On that letter it will show you the maximum amount of money they will loan you. Now you know the dollar range of homes you can look for. Let us know the area you are looking in and what you are looking for in a home and we will send you homes for you to look at. Then let me know which home or homes that you would like to see, along with a date and time and we will set it up. We will be with you on home inspections and at closing. Hope this helps and thanks again for allowing us to help you.