West St. Louis County, Town & Country, Chesterfield, Ballwin and Manchester real estate and homes for sale in - Kathy Roush - REALTOR®

- NUMBER1EXPERT®

Feature
Properties

Search All
Local Listings

Kathy Roush is one of
The Top Selling Real Estate Experts™
Find Out More >

First Time Home Buyers

Welcome > For Buyers > First Time Homebuyers ...

Buying Your First Home? REALTORS® 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 West St. Louis County, Town & Country and Manchester 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...

	About You
* Your Name:
* Your Email Address:
Your Street Address:
City:
State/Province:
Country:
Zip/Postal Code:
Phone:
	About Your Move
When Are You Moving?
Where Are You Moving?
	About Your Home Search
Your Price Range?
Number Of Bedrooms?
Number Of Bathrooms?
Home Size In Square Feet?
	Additional Info
Please Enter More Details, Along With Any Comments, Concerns, Or Questions:
Send Latest Listings:	What is this?
Send Latest News:	What is this?

*Please note that fields marked with an asterisk are required.

Quick Response Guarantee >
Your Privacy Is Guaranteed >
Free & Without Obligation >

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.

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

Real Estate Trivia

Q	What are three of the best indicators of real estate market trends?
A	Existing home sales, new home building and mortgage interest rates.
See More Real Estate Trivia >

Kathy Roush, REALTOR®, real estate agent and broker for West St. Louis County, Town & Country, Chesterfield, Ballwin and Manchester, home listings, property and land for sale - NUMBER1EXPERT

The Kathy Roush Team
Coldwell Banker Gundaker
111 Chesterfield Towne Centre
Chesterfield, MO. 63005
314-614-4444
636-532-0200
Fax: 636-532-5556
Email: skaroush@cbgundaker.com
Kathy Roush is a special kind of realtor. She puts her clients first. Through outstanding service and attention to details she has successfully assisted her clients buy and sell homes since 1997. By serving the clients' needs Kathy has grown her business each year. Kathy has many industry awards to her credit, but she is more proud of the outstanding relationships she maintains with clients and other agents. So if experience, updated marketing techniques, professionalism and good old fashion superior service are important to you, call Kathy today.

www.stlouishomeconnection.com is brought to you by Kathy Roush, real estate for
West St. Louis County, Town & Country, Chesterfield, Ballwin and Manchester,

Read Kathy Roush's Privacy Guarantee, Terms of Service, and Free & Without Obligation Pledge