South Haven, Saugatuck and Coloma real estate and homes for sale in Michigan, Waterfront Properties, Vacation Properties - Heather and John Valenziano, REALTORS® Heather and John Valenziano REALTORS(r) for South Haven, Saugatuck and Coloma, Michigan real estate, Waterfront Properties, Vacation Properties - NUMBER1EXPERTS™ Heather and John Valenziano NUMBER1EXPERTS(tm) for South Haven, Saugatuck and Coloma, Michigan real estate, Waterfront Properties, Vacation Properties
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Heather and John Valenziano, REALTORŪ, real estate agent and broker for South Haven, Saugatuck and Coloma Michigan home listings, property and land for sale - NUMBER1EXPERT(tm)
When honesty, integrity, expert knowledge of the market and great service are important to you, call John or Heather at 800-637-1141 ext 103.


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First Time Homebuyers: South Haven, Saugatuck and Coloma Michigan home buying, real estate listings, and homes for sale in Van Buren County, MI
Welcome > For Buyers > First Time Homebuyers ...


Buying Your First Home? REALTORSŪ 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 South Haven area 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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Real Estate Tips
Financing Your Home >Lenders Want to Say Yes

If you wish to buy a home but consider yourself incapable of getting credit, you may be living in the past in terms of assessing your financial situation. Lenders have become more flexible in underwriting mortgage loans.

A recent survey of mortgage lenders revealed some interesting trends. Ninety-six percent of those surveyed had cut their standard down payment requirements for moderate-income buyers, and 93% said they are more lenient regarding debt-to-income-ratios. Ninety-four percent of those surveyed said they now have more flexible approaches to credit histories, and look at rent and utility payments more than credit cards. Seventy-nine percent of lenders say they have relaxed employment criteria. They now look more at your capacity to generate a stable flow of income rather than requiring a long history at one job.

There are more lenders today, and they are in fierce competition with each other. The home loan industry has created entire markets that cater to those with less-than-perfect credit.

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Real Estate Trivia
Q 
What is the world's largest palace?

A 
The Imperial Palace (Gugong) in the center of Beijing, China covers over 178 acres and dates back to the early 1400s.
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Heather and John Valenziano, REALTORŪ, real estate agents and broker for South Haven, Saugatuck and Coloma Michigan home listings, property and land for sale - NUMBER1EXPERT(tm)

Heather and John Valenziano
Coldwell Banker Weber Seiler

455 Broadway
South Haven MI 49090
Office: 800-637-1141, x 103
John Cell: 269-214-6834
Heather Cell: 269-214-6836
Fax: 269-637-3144
Email: info@heatherandjohn.net

For most people, buying or selling a home is the biggest financial decision in their lives. For such an important event, don't you deserve the best in professional services? We are the Number1Expert team from Coldwell Banker Weber Seiler that will deliver uncommon service before, during and after your purchase or sale. We've customized our services for the Internet empowered consumer who is searching for waterfront property, second homes, condominiums and primary residences. We are just a mouse click away!

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Coldwell Banker Weber Seiler real estate and homes for sale in South Haven, Saugatuck and Coloma Michigan

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