Gwynedd, Springfield Township and Upper Dublin Township real estate and homes for sale in Pennsylvania, luxury homes, first-time buyers - The Ron and Carol Young Team, REALTORS® The Ron and Carol Young Team REALTORS(r) for Gwynedd, Springfield Township and Upper Dublin Township, Pennsylvania real estate, luxury homes, first-time buyers - NUMBER1EXPERTS™ The Ron and Carol Young Team NUMBER1EXPERTS(tm) for Gwynedd, Springfield Township and Upper Dublin Township, Pennsylvania real estate, luxury homes, first-time buyers
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The Ron and Carol Young Team, REALTOR®, real estate agents and broker for Gwynedd, Springfield Township and Upper Dublin Township Pennsylvania home listings, property and land for sale - NUMBER1EXPERT(tm)
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First Time Homebuyers: Gwynedd, Springfield Township and Upper Dublin Township Pennsylvania home buying, real estate listings, and homes for sale in Montgomery County, PA
Welcome > For Buyers > First Time Homebuyers ...


Buying Your First Home? Real Estate Agents Are Your Professional Guides. Make Sure You Choose Top Experts. 

We still remember buying our first home: The strong desire to own something of our own, wondering how much we could afford, the search for just the right place, the intimidating mound of paperwork – and the help of a great agent who was patient with us every step of the way.

Closing on your first home will be one of the most important moments of your life, and we want your memories to be great ones. As top Gwynedd, Springfield Township and Upper Dublin Township 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 with you.

Chances are you’ve already started eying a few properties. Good – you’ve instinctively honed in on an important step – shop around. Especially in times of a buyer’s market, you have more inventory to choose from and the breathing space to consider what features are most important to you. We can tell you about many listings which may not be listed on the MLS, that could be within your reach. Bring your digital camera and a notebook, and record things that stand out about the homes and neighborhoods we show you. That way you’ll recall which ones are of serious interest.

We have excellent relationships with local lenders who can help you assess just how much house you can afford. For a conventional loan, a first-time buyer with a steady job and good credit can put down as little as 3%. However, the more money you can offer for a down payment, the more options you will have. Fannie Mae's "start-up mortgages", for instance, allow borrowers who can afford a 5% down payment to qualify for a loan on a smaller salary than with a 3% down payment.  (Click on Fannie Mae's website for a list of approved lenders.)

There is plenty of help for first-time buyers, including a growing assortment of financing options making it possible to find mortgages for 100% of a home's value, and useful sites on the internet that answer many questions. Here are just a few helpful sites:



Fannie Mae

Freddie Mac

Preparing for Home Ownership

Ask us all of your questions, great or small – there are no dumb questions when you are making the biggest investment of your life! 

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? 

We specialize in helping the First Time Homebuyer through the often daunting process of considering and purchasing a home.

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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Real Estate Tips
Insurance >Hazard Insurance

Are you considering taking out hazard insurance on a property before you actually take title? It may be a good idea!

Even though you are not yet the owner of record, as the buyer, you have an insurable interest in a property the moment that you and the seller execute the sales agreement. As a matter of practice, however, buyers do not usually take out insurance until the papers change hands, and it should not be necessary if the agreement of sale is properly executed.

It is very important to both parties that the agreement states that the property will be insured for a specific amount. From the buyer's point of view, an adequate sum must be stipulated, and the agreement should not read "as now insured", which can indicate that the seller may not want to increase the insurance.

As a general rule, the amount of insurance on the buildings on a property should equal the sales price, less the value of the lot.

See All Tips In The "Insurance" Category >
See Complete Library Of Hundreds Of Tips In 30+ Categories >

Real Estate Trivia
Q 
What areas are known as the 'silk stocking' districts of this famous city?

A 
In Central Park West, Fifth Avenue and Park Avenue in Manhattan, apartments go for $222,610 to $282,709 per room.
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This information has been reprinted from the Economic and Market Watch Report with permission from TREND.



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The Ron and Carol Young Team, REALTOR®, real estate agents and broker for Gwynedd, Springfield Township and Upper Dublin Township Pennsylvania home listings, property and land for sale - NUMBER1EXPERT(tm)

Ron and Carol Young
Keller Williams Real Estate

910 Harvest Drive
Suite 100
Blue Bell, Pa. 19422
Main: 215-646-2900 x 6088
Ron Cell: 267-408-2306
Carol Cell: 215-519-6304
Fax: 215-661-9678
Email: ronandcarolyoung@kw.com

Ron’s Associate Brokers License: AB065689 Carol’s Realtor License: RS135052A

ABRCRSEqual HousingGRIMLSREALTORSRES


Keller Williams Real Estate real estate and homes for sale in Gwynedd, Springfield Township and Upper Dublin Township Pennsylvania ALHS - Accredited Luxury Home Specialist

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