Dreaming of owning your first home?  Tired of shoveling out rent for a home or apartment that doesn't feel like yours?  Take heart, changing from renter to homeowner may be easier than you think.  I'm here to help.

NEW RESPA (REAL ESTATE SETTLEMENT PROCEDURES ACT) RULES BEGIN IN 2010 Don't let hidden costs sneak up on you. Ask your lender for a written estimate. http://www.hud.gov/offices/hsg/ramh/res/respa_hm.cfm

FHA MAY BE TIGHTNING THEIR RULES WashingtonPost.com

HOW DO I START? WHO DO I TALK TOO?
A Lender!!  He or she will pull your credit report.  This is important to let them know if you are going to be reliable in making payments. If you have bad credit you will probably be asked to clean it up and come back later or your lender may provide several options.  Listen carefully to your lender.  Your lender is your friend and will try to help you obtain your goal which is buying your property.

First of all, learn the financing basics.  Get pre-approved and become a smart shopper.

GO TO PROPERTY SEARCH on my web site - check for price range, bedroom etc., location and whatever else you want, click on SEARCH MLS.  Start shopping here.

When you buy your first home, making monthly payments  probably won't be a problem.  After all, you're already paying rent to your landlord each month. It's coming up with the lump sum needed for a down-payment that may seem impossible. Fortunately, there are options to make buying your first home a happy reality.

If necessary, contact a financial advisor or tax resolution service.

Just Remember!!  Everyone should have a chance to own property. It can happen if you are willing to make it happen.

Call Me:  Vivian McAbee, Realtor
             Cell: 509-679-6635
             Email: vivian@nwi.net   Web: vivianmcabee.com

I will be glad to help you learn the process and provide information concerning lenders and finding you property.