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First Time Homebuyers: Fort Wayne, Auburn and Columbia City Indiana home buying, real estate listings, and homes for sale in Allen County, IN

Welcome > For Buyers > First Time Homebuyers ...

Buying Your First Home? REALTORSŽ Are Your Professional Guides. Make Sure You Choose Top Experts.

You might be a bit afraid or intimidated by the whole process of buying your first home. As top Fort Wayne, Auburn and Columbia City real estate experts, it's our job to guide you, from beginning to end.

We 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 us a bit about your situation below. We'll get right back to you. There is absolutely no charge, and we offer this to you with no strings attached.

New to the home buying process? Tell us your concerns. Ask us questions. It's our job to help! There's no obligation, and we promise to get back to you quickly...

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Buyers Remorse >First Time Loans

Most first-time buyers can qualify for a mortgage loan, but they may need help from parents to make the down payment or closing costs on their home. There are loan programs that minimize the down payment and closing costs for first-time buyers. These programs usually require that 3 to 5 percent of the purchase price come from the buyers' funds, not from a loan or gift. Most lenders ask for the last three months' bank records. The borrower will be asked to reveal the origin of any large deposits. If the money comes from the homebuyer's parents, the lender may not consider those funds when qualifying the buyers.

Parents who are planning to help their children finance a home should transfer any funds several months before the house-hunting process begins. If it is a loan rather than a gift, a formal re-payment agreement should be drawn up between parents and children to eliminate potential misunderstandings or future complications with either estate.

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Q	What is the average age range of a second-home buyer in the United States?
A	Currently, second-home buyers in America are most often between 41 and 44 years of age.
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The Diane Caudill Team, REALTORŽ, real estate agents and broker for Fort Wayne, Auburn and Columbia City Indiana home listings, property and land for sale - NUMBER1EXPERT(tm)

The Diane Caudill Team
Coldwell Banker Roth Wehrly Graber
1206 E. Dupont Road
Fort Wayne, IN. 46825
260-416-5016
888-489-7653
Fax: 260-489-4060
Email: dcaudill@cbrwg.com
Stop worrying and START PACKING with Diane Caudill and her team of skilled, caring people. Diane has been helping families buy and sell homes in Fort Wayne and the surrounding area since 1985 while working with the areas largest and most successful company. Her experience and skill have led to the development of the teams Smooth Move 24/7 marketing plan and a comprehensive buyer assistance program.

Coldwell Banker has awarded Diane the prestigious "International President's Elite" honor for 2000, 2001, 2002 and 2005 and received the "International President's Circle" award in 2003 and 2004 presented to the top 10 percent of sales associates in the Coldwell Banker organization, plus numerous other awards for excellence in the State of Indiana during the past few years. Included in the team is Dianes daughter, Cindy Burkhart, who specializes in helping buyers find their dream home. Call the Diane Caudill Team today and learn why we are Fort Waynes Most Trusted.

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