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First Time Homebuyers: Lancaster County, Manheim Township and Hempfield Township Pennsylvania home buying, real estate listings, and homes for sale in Lancaster County, PA

Welcome > For Buyers > First Time Homebuyers ...

Buying Your First Home? REALTORSŽ 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 Lancaster County, Manheim Township and Hempfield 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. 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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First Time Buyers >Credit Card Common Sense

If you are buying a home for the first time, you need to establish a reasonably good financial foundation before a lender will approve you for a mortgage loan. Lenders look for a good credit rating, sufficient funds to make the initial down payment and pay the closing costs, and a stable employment situation.

People who have just qualified for a mortgage loan are usually in better-than-average financial shape. If you have recently purchased a new house, don't be surprised if you receive numerous offers from retail stores and other credit card companies offering you pre-approved revolving credit.

Be careful about accepting these offers! New home owners often use most of their savings in the process of financing the transaction, and they need everything from linens to furniture to get settled in the home. With all of the immediate credit available, it may be very tempting to just say "charge it." If you're not careful, you could be "up to your ears" in debt very quickly. It takes discipline to reach the goal of home ownership--and it takes that same kind of discipline to maintain financial health after you leave the closing table.

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Q	What is the legal term used to describe the right of the U. S. government to condemn private land for public use?
A	Right of Eminent Domain allows the government to confiscate private land by paying full market value for the property.
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The Craig Hartranft Team, REALTORŽ, real estate agents and broker for Lancaster County, Manheim Township and Hempfield Township Pennsylvania home listings, property and land for sale - NUMBER1EXPERT(tm)

The Craig Hartranft Team
Prudential Homesale Services Group
150 North Point Blvd
Lancaster, PA. 17601
Toll Free: 800-320-5952
Direct: 717-560-5051
Fax: 717-560-9740
Email : CraigH@Realtor.com
"Craig's Team" of experienced real estate professionals is committed to providing each client with the best service in customer satisfaction. With six full time professionals, Craig Hartranft's Team will see you through every step of the real estate process. If you are looking for dedication, experience and trust, then give us a call.

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