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Welcome > For Buyers > First Time Homebuyers ...

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

You might be a bit afraid or intimidated by the whole process of buying your first home. As a top Newtown Square, Broomall and Haverford real estate expert, it's my job to guide you, from beginning to end.

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

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

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School Reports in Newtown Square, Broomall and Haverford, Pennsylvania

"A model of how the Internet can facilitate the process of deciding where to send your children to school"
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Pennsylvania Public, Private and Charter Schools: Compare them using these top-rated, comprehensive reports.

Schools in Newtown Square, Broomall and Haverford

First Time Buyers >The Real Bottom Line

An important part of buying a house is sitting down with your real estate agent or a mortgage lender to get a clear idea of how much you can afford. They will add up all of your monthly expenses, the mortgage payment, insurance, real estate taxes, homeowners or condo association fees--and the grand total can throw you into shock!

The important thing to remember is that the grand total isn't really the bottom line. When you add your tax savings to the equation, you may be pleasantly surprised. During the early years of your loan, almost all of the mortgage can be deducted from your state and federal income tax. The same is true of your real estate taxes. If you use part of your house as a home office, you may be able to qualify for additional tax savings. In some areas, homes with ground floor apartments are popular for offsetting part of the mortgage and offering even more tax savings.

When you make calculations about the monthly costs that include the tax savings, you may find that owning your own home is less expensive than renting a house or apartment of comparable size.

	See All Tips In The "First Time Buyers" Category >
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Q	What land did the U.S. Government buy for $7.2 million?
A	In March 1867, the US bought all of Russian America (Alaska) from Russia.
See More Real Estate Trivia >

Chris Hewes, REALTOR®, real estate agent and broker for Newtown Square, Broomall and Haverford, Pennsylvania home listings, property and land for sale - NUMBER1EXPERT(tm)

Chris Hewes
Keller Williams Real Estate
116 East King Street
Malvern, PA 19355
Office: 610-647-8300
Fax: 610-819-0333
Cell: 610-513-8073
chris@hewes4homes.com
Buying and selling a home is one of the biggest events in your life. As a top Newtown Square, Broomall and Haverford real estate agent, I have the experience and track record you are looking for. Please let me help.

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