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5 key steps to buying your first home, tax credit or no26 Apr

This is a great article in USA Today about buying a first home.  With the tax credit coming to an end soon, there is a huge rush for buyers looking to take advantage of the credit, but this also has some good information for any new to the housing market buyer.

As a Realtor, Lacy Williams gives presentations to first-time home buyers about what to expect when buying a home.

She often finds she must start at the beginning, helping novice buyers decide whether it makes more financial sense to rent or buy. Then she gets down to the nuts and bolts: how to get a loan, pick a Realtor and look for a home.

“I tell people there are no stupid questions. Ask anything you don’t understand,” says Williams, with Joyner Fine Properties in Richmond, Va. “One of the biggest mistakes they make is they go to an open house and wind up buying from the listing agent. The listing agent represents the seller. They need a Realtor who represents them.”

With the spring buying season in full swing, first-time home buyers are driving much of the current sales activity –– lured in part by low prices, interest rates around 5%, and a federal tax credit of up to $8,000 for those who can sign a contract by April 30 and close by June 30.

Click here to read more….

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