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Barb Bottitta is one of The Top Selling Real Estate Experts™
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First Time Homebuyers: Allentown, Bethlehem, and Lehigh Valley Pennsylvania home buying, real estate listings, and homes for sale in Lehigh County, PA

Welcome > For Buyers > First Time Homebuyers ...

Buying Your First Home? REALTORSŽ 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 Lehigh Valley 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?

CLICK HERE for a page of TIPS for FIRST TIME HOME BUYERS!

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. Please fill out the form below...

	About You
* Your Name:
* Your Email Address:
Your Street Address:
City:
State:
Country:
Zip/Postal Code:
* Home Phone:
Work Phone:
	About Your Home Search
* Please Indicate Your Status:
* Your Price Range?
* Number Of Bedrooms?
Number Of Bathrooms?
Specific Towns or Neighborhoods You're Interested In?
School Districts?
* House Style? Please check off all the styles that apply.	Condo Townhouse or Rowhome Ranch 2 Story Colonial Cape Contemporary Land None of the above
* Have You Contacted a Bank or Mortgage Lender to Be Pre-Qualifed for a Mortgage?	Yes No
What is the Best Way to Communicate with You?	E-mail Phone
	Other Requirements?
Please Enter More Details, Along With Any Comments, Concerns, Or Questions:
Send Latest Listings:
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*Please note that fields marked with an asterisk are required.

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Financing Your Home >Mortgage Fears

It is not unusual for home buyers to feel that the lender is being very critical during the loan approval process. The buyer is required to provide all kinds of financial information, and then the lender asks for more. If this is your experience, and the process seems discouraging, remember that none of this is personal!

Some lenders have more stringent requirements than others, but every lender requires a substantial amount of documentation on a mortgage loan. They must verify employment, credit history, and recent financial transactions involving your liquid assets. If your Visa payment was late, they may ask for a letter explaining why. If you are self-employed, they will ask for tax returns from at least three years and probably a year-to-date profit and loss statement.

Government regulations require mortgage companies to document everything. And while the loan officer may know that you are a reliable risk, the underwriters must be able to defend the loan to a federal bank examiner or auditor.

	See All Tips In The "Financing Your Home" Category >
	See Complete Library Of Hundreds Of Tips In 30+ Categories >

Q	What has a tremendous impact on the U.S. economy, comprising between $10-$15 trillion of the nation's wealth?
A	Real Estate--it goes through cycles, but still has a long-term record of strong investment return.
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The data relating to real estate for sale on this web site comes in part from the Internet Data Exchange of the Lehigh Valley Association of REALTORS Multiple Listing Service. Real Estate listings held by brokerage firms (licensees) other than Keller Williams Real Estate are marked with the IDX logo and detailed information about them includes the name of the listing brokers. The information being provided is for consumers personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing.

Barb Bottitta, REALTORŽ, real estate agent for Allentown, Bethlehem, and Lehigh Valley Pennsylvania home listings and property for sale - NUMBER1EXPERT(tm)

Barb Bottitta CRS, GRI, ABR, SRS
Keller Williams Real Estate - PA Lic#: RS25844
40 S. Cedar Crest Blvd
Allentown, PA. 18104
KW Office: 610-435-1800
Home Office: 610-398-8408
Home Office Fax: 610-395-2548
KW Fax: 610-435-2800
Email: BottittaTeam@LVhomeExpert.com
PA License #: RS-168509L: **
"A Tradition of Trust, A Reputation for Results" Barb understands Real Estate from A to Z, from Amortization to Zoning, and she helps her clients understand it, too. Through a unique combination of devotion, compassion and good old-fashioned hard work, Barb has established a "Tradition for Trust" among Lehigh Valley families. She has used her singular marketing skills and vast negotiating experience to build a "Reputation for Results." And her years of experience combined with unrivaled knowledge of the Lehigh Valley real estate market have qualified Barb for "Number 1 Expert" status. You won't find another agent who's earned a more glowing reputation among REALTORSŽ in the Lehigh Valley and nationwide. Barb believes that her clients deserve nothing less than the best and from the starting line to the dotted line, you won't find another agent who works harder or cares more than Barb Bottitta.

www.LVHomeExpert.com is brought to you by Barb Bottitta
NUMBER1EXPERT™ in real estate for Lehigh Valley, Pennsylvania, selling homes, listing homes

"All information deemed reliable but not guaranteed. All properties are subject to prior sale, change or withdrawal. Neither broker(s), agent(s) nor Number1 Expert shall be responsible for any typographical errors, misinformation or misprints, and shall be held totally harmless."

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