Lehigh Valley Homes Online - The Joe Finnerty Team Lehigh Valley PA Real Estate including Allentown, Bethlehem and Easton

 

Move Out Buy A House!

 

 Move Out Buy A House!

 

1st Time Lehigh Valley Home Buyer!

 

Why Purchase a House?

The time has come to do something about your future investment. The step to Lehigh Valley Home Ownership is a large one but well worth it. You will have a place you can call your own while at the same time save on income taxes and build equity towards your future. Are you tired of making your landlord rich? Use the following information to begin the Home Buying Process Now.

 

Buying a Home How Much Money Should You Have Saved Up?

The ultimate would be to have 20% saved towards the purchase price plus 5% on top of this for closings costs. This means for a $200,000 dollar house you would need $50,000 dollars.

Most First Time Home Buyers do not have this kind of money saved up but there are other options.

If you qualify for an FHA mortgage (the most common), you can get a mortgage for up to 96.5% of the purchase price of the house.

If you qualify for a VA mortgage (military veteran), you can purchase a house with little or no money.

If you are willing to live in a rural area, the USDA has a program available to borrow 100% that can include the closing costs in the mortgage. The Lehigh Valley has many areas in the USDA Housing Program including some areas you might not suspect such as parts of Forks Township, Nazareth, and the Macungie area.  

Assistance with closing costs can also be done using something called Sellers Assist or Sellers Concession. In this situation, a higher purchase price is offered to the Home Seller. The seller will then credit that money back to the buyer at the closing.

Some of the financing variations will have a negative impact on the seller and your negotiating power.

For instance, FHA and VA mortgages require the appraiser to do a more thorough inspection that may find problems with the house that HAVE TO BE FIXED before closing. A Lehigh Vally Home Seller may not want to accept these conditions. 

It is very important that your real estate agent and mortgage company work with each other so that when you are ready to buy a house all of your options and negotiating power are known. Most Home Buyers feel that the price is the major consideration. It usually is, but the other terms in the contract are also very important.

 Beginning the Home Search When Should You Begin Your Home Search!

Are you living at home or on a month-to-month lease? If so, you have more flexibility and if your finances are all in order you are ready to begin the Home Buying Process.

If you have a long-term lease, then the correct time to attempt to purchase a house is when you have about 3 months left on the lease. A Lehigh Valley Home Seller will not usually wait longer than 90 days for a buyer to fully purchase their house. Another option would be to break your lease. Some Home Buyers are willing to this if the right house comes on the market.

1st Time Home Buyer Seminar

 

Purchasing a home is probably going to be one of the most expensive purchases in your life!  

Get the answers YOU need!! Get educated before beginning the process.

Although this website offers a lot of information, it's not the same as meeting with a team of experts to discuss any concerns you may have about the Home Buying Process.

Attend a Free Lehigh Valley Home Buying Seminar

 

Home Buying Reports

How To Buy Your First Home

Explore the Home Buying Process Plus Get Access to Free Reports 

Make Smart Decisions! - Save Money!

Page Last Modified on December 12, 2010

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Lehigh Valley Real Estate, Joe Finnerty Team 
Direct: 484-241-1641
Email:
joe.finnerty@foxroach.com

The Joe Finnerty Team
Direct: 484-241-1641

Berkshire Hathaway Home Services
Fox & Roach, REALTORS®
3101 Emrick Blvd, Suite 101
Bethlehem, PA 18020
Front Desk: 610-865-0033
FAX: 610-974-9430

Berkshire Hathaway Home Services Fox & Roach, REALTORS

 Keeping it Real in Real Estate!


 A REALTOR® is a real estate professional who is a member of the National Association of REALTORS®.

If you are planning to buy or sell a home, Lehigh Valley Homes Online has the complete MLS listings for Allentown Real Estate, Bethlehem Real Estate, and Easton Real Estate. There is information about every municipality in Lehigh County and Northampton County. All real estate sales are included. Lehigh Valley Property listings include houses for sale, condos, new homes, and over 55 plus communitities. Information on this site is provided for Lehigh Valley Home Buyers and Lehigh Valley Home Sellers.

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