If you have a job, decent credit score and a small down payment, banks will stand in line to loan you money for a home purchase. Until a few years ago, having some money saved, paying your bills on time and having a job seemed realistic bank expectations. We are all living with the results of -0- down & subprime lending-- so I, for one, am pleased to see the old rules back in place.
I sell homes to many first time homebuyers. There is great satisfaction in this work – many of these families being the kids of my clients. Sometimes the couple is not ready to purchase at that moment, but they leave our first meeting with a “plan”. They will soon be in a place where homeownership is available to them and at a price that doesn’t strap them financially.
My goal is for families to end up with a home they love and a mortgage payment that fits their budget.
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