[fusion_builder_container hundred_percent=”no” equal_height_columns=”no” hide_on_mobile=”small-visibility,medium-visibility,large-visibility” class=”rounded” background_color=”#fafafa” background_position=”center center” background_repeat=”no-repeat” fade=”no” background_parallax=”none” enable_mobile=”no” parallax_speed=”0.3″ video_aspect_ratio=”16:9″ video_loop=”yes” video_mute=”yes” overlay_opacity=”0.5″ border_size=”1″ border_color=”#eeeeee” border_style=”solid” padding_top=”20px” padding_right=”10px” padding_bottom=”20px” padding_left=”10px”][fusion_builder_row][fusion_builder_column type=”1_1″ layout=”1_1″ spacing=”” center_content=”no” hover_type=”none” link=”” min_height=”” hide_on_mobile=”small-visibility,medium-visibility,large-visibility” class=”” id=”” background_color=”” background_image=”” background_position=”left top” undefined=”” background_repeat=”no-repeat” border_size=”0″ border_color=”” border_style=”solid” border_position=”all” padding=”” margin_top=”20px” margin_bottom=”” animation_type=”” animation_direction=”left” animation_speed=”0.3″ animation_offset=”” last=”no”][fusion_text]

There’s probably hundreds of articles on the internet that are full of useful tips for first time home buyers. Since our team has been exposed to thousands of loan transactions, we want to give you our expertise and personal advice. The more prepared you are, the smoother the process will be. We love helping our clients achieve their dreams of home ownership!

[/fusion_text][/fusion_builder_column][fusion_builder_column type=”1_1″ layout=”1_1″ spacing=”” center_content=”no” hover_type=”none” link=”” min_height=”” hide_on_mobile=”small-visibility,medium-visibility,large-visibility” class=”” id=”” background_color=”” background_image=”” background_position=”left top” background_repeat=”no-repeat” border_size=”0″ border_color=”” border_style=”solid” border_position=”all” padding=”” dimension_margin=”” animation_type=”” animation_direction=”left” animation_speed=”0.3″ animation_offset=”” last=”no” element_content=””][/fusion_builder_column][fusion_builder_column type=”1_1″ layout=”1_1″ spacing=”” center_content=”no” hover_type=”none” link=”” min_height=”” hide_on_mobile=”small-visibility,medium-visibility,large-visibility” class=”” id=”” background_color=”” background_image=”” background_position=”left top” undefined=”” background_repeat=”no-repeat” border_size=”0″ border_color=”” border_style=”solid” border_position=”all” padding=”” margin_top=”” margin_bottom=”” animation_type=”” animation_direction=”left” animation_speed=”0.3″ animation_offset=”” last=”no”][fusion_content_boxes layout=”icon-on-top” columns=”3″ title_size=”24px” backgroundcolor=”#ffffff” icon_circle=”yes” circlecolor=”#03b5f0″ circlebordersize=”0″ hover_accent_color=”#d11414″ icon_align=”left” animation_direction=”left” animation_speed=”0.3″ hide_on_mobile=”small-visibility,medium-visibility,large-visibility”][fusion_content_box title=”Check Your Credit” icon=”fa-check” iconspin=”no” image_width=”35″ image_height=”35″ linktext=”Read More” animation_type=”fade” animation_direction=”down” animation_speed=”0.2″]Not only does your credit score matter, but your credit history is just as important. It’s not impossible to purchase a home with less-than-perfect credit, but it will be more expensive. In most cases, the lower your credit score is, the higher your mortgage interest rate will be. You also want to be mindful of your debt-to-income ratio, which is your total monthly debts divided by your gross monthly income. If you have substantial credit card debt, your debt-to-income ratio will likely be too high to qualify for a mortgage. Try to keep your debt-to-income ratio equal to or less than 43%.[/fusion_content_box][fusion_content_box title=”Apply Now Before House Hunting” icon=”fa-check” iconspin=”no” image_width=”35″ image_height=”35″ linktext=”Read More” animation_type=”fade” animation_direction=”down” animation_speed=”0.2″]

Many hopeful buyers skip out on this crucial step and find themselves disappointed that they can’t qualify for a home that they fell in love with. Not to mention, you may qualify for more house than you think. You may be shopping for a house in the mid $200Ks range, when you can qualify for a home in the upper $300Ks.

[/fusion_content_box][fusion_content_box title=”Save Your Money!” icon=”fa-check” iconspin=”no” image_width=”35″ image_height=”35″ linktext=”Read More” animation_type=”fade” animation_direction=”down” animation_speed=”0.2″]This seems like an obvious tip, but becoming a homeowner can get expensive. Don’t be discouraged! Just be sure to budget yourself and set enough money aside for your down payment, closing costs, and of course, furnishing your new home. Down payment options start as low as 3.5%, so you no longer have to make a 20% down payment to buy a house.[/fusion_content_box][/fusion_content_boxes][/fusion_builder_column][/fusion_builder_row][/fusion_builder_container][fusion_builder_container hundred_percent=”no” equal_height_columns=”no” hide_on_mobile=”no” background_position=”left top” background_repeat=”no-repeat” fade=”no” background_parallax=”none” enable_mobile=”no” parallax_speed=”0.3″ video_aspect_ratio=”16:9″ video_loop=”yes” video_mute=”yes” overlay_opacity=”0.5″ border_size=”0px” border_style=”solid” padding_top=”30px” padding_bottom=”30px”][fusion_builder_row][fusion_builder_column type=”1_1″ layout=”1_1″ spacing=”yes” center_content=”no” hover_type=”none” link=”” min_height=”” hide_on_mobile=”no” class=”” id=”” background_color=”” background_image=”” background_position=”left top” undefined=”” background_repeat=”no-repeat” border_size=”0″ border_color=”” border_style=”solid” border_position=”all” padding=”” margin_top=”” margin_bottom=”” animation_type=”” animation_direction=”down” animation_speed=”0.1″ animation_offset=”” last=”no”][fusion_testimonials design=”clean” hide_on_mobile=”small-visibility,medium-visibility,large-visibility”][fusion_testimonial name=”Pathjoel from 89158″ avatar=”none” image=”” image_border_radius=”” company=”” link=”” target=”_self”]

Made My House-Buying Experience Great

I used Derek and his company when I purchased a condo on the Las Vegas strip. Everyone said that banks were giving a hard time for people looking for a loan for this building. However, Derek personally called me and walked me through the process, and assured me that I would be able to get the loan. Within 30 days, we not only got the loan but closed escrow. I highly recommend Derek and his team!

[/fusion_testimonial][fusion_testimonial name=”highrisecondoinvestor from 89109″ avatar=”none” image=”” image_border_radius=”” company=”” link=”” target=”_self”]

We are loyal to Derek Parent and his team

Derek is always a pleasure to work with. I’ve known him for several years now and anyone that I know of that is looking to purchase a property I always refer them to Derek. He takes the time to answer questions and really cares about his clients. It’s nice that he stayed in touch with us long after we’ve purchased our properties going through him and his team.

[/fusion_testimonial][fusion_testimonial name=”matt kinzer09 from 89128″ avatar=”none” image=”” image_border_radius=”” company=”” link=”” target=”_self”]

Great Experience, Always on Top of Things, Great Communication

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