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First Time Homebuyers: Beresford, Vermillion and Sioux Falls South Dakota home buying, real estate listings, and homes for sale in Union County, SD

Welcome > For Buyers > First Time Homebuyers ...

Buying Your First Home? Real Estate Agents 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 Beresford, Vermillion and Sioux Falls 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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Financing Your Home >Hybrids Offer Low Rates

In the field of home financing, "hybrid" mortgages have grown in popularity with homebuyers. With interest rates gradually rising in today's market, the hybrid mortgage product saves money, provides a period of fixed-rate security and helps buyers qualify for financing.

Hybrid mortgage loans offer a very low fixed-rate for a period of time, usually from 5 to 7 years, then revert to an adjustable rate mortgage (ARM) for the remainder of the term of the loan. The interest rate is typically lower than with a 30-year fixed-rate loan, and the borrower has the assurance that the rate will not change for a period of years. Such a loan works well for buyers who plan on reselling the home within a finite period.

Other specialty mortgages now available include an ARM loan with a provision allowing it to be converted to a fixed-rate loan when that is a practical step for the borrower. Still others offer an interest-only loan that requires payments to be made on the interest only for a specified number of years, then reverts to an amortized loan with interest and principal payments each month. Consult with an experienced mortgage professional to determine whether one of these loan products will meet your needs.

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Q	What is the average age of a first-time homebuyer in the United States today?
A	The average age of a first-time U.S. home buyer is 32 years.
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Woody Houser, REALTORŽ, real estate agent and broker for Beresford, Vermillion and Sioux Falls South Dakota home listings, property and land for sale - NUMBER1EXPERT(tm)

Woody Houser
Farm and Home Realty, Inc.
711 W. Cedar Street
Beresford, SD 57004
Phone: 605-763-8085
Phone: 605-231-1867
Phone: 605-957-5425
Cell: 605-957-5425
Cell Sx Falls: 605-231-1867
Fax: 605-763-8084
Email: woodyhouser@NUMBER1EXPERT.com
Woody bought his first property in 1985, his first farm in 1990 and his first investment property in 1993. He has bought and sold residential, commercial and farmland every year since 1993. Woody has experience in all aspects of real estate transactions, including inspecting, financing, buying, surveying, selling, and leasing. Woody operates with integrity, professionalism and exceptional personal service. Woody, and his partner and wife, Mindy, with their technical capabilities and intimate knowledge of marketing, which includes the latest Internet technologies, will insure the buying and selling cycles will be quicker, smoother and more profitable for you. So for any real estate need in Sioux Falls and the surrounding area, email or call Woody Houser.

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