Home Ownership is Within Reach


I want a house. My friends have houses…, my parents are owners…, my parents weren’t owners and I want to be the first…, I’m tired of renting…Whatever reason you may have, purchasing real estate is an intimidating yet exciting venture, with benefits and risks.

Below are the steps to get from dream to reality.

  1. Save your down payment; the more, the better. 20% is the recommended amount for a down payment. However, there are mortgage products out there that will help those individuals between 5 -20%, and there are still a few ‘no money down’ loans available.
  2. Get Pre-approved.   It’s always best to go through a mortgage broker than straight to the bank. The mortgage broker is associated a wider range of products and therefore can find the best deal available for you. During this stage, create a futuristic budget as well and be realistic with your living expenses so you will know the monthly payment you will be comfortable with.
  3. Start searching. What aspects are important to you and your family? Limited stairs, a living room and family room, and office, large backyard… Whatever it is, list your wants and needs in terms of priority. And understand that for your first house, you may not be able to get everything on your list, but purchasing is a step in the right direction.
  4. Put in an offer. Based on your level of comfort and your realtors suggestion, put in an offer for the house of your choice. The three possible responses from your offer will be acceptance, counter offer, or a refusal.
  5. Closing Activities. Don’t forget to plan for all closing activities. On average 2-4% of the purchase price should cover all of these costs, namely hiring a inspector, lawyer, mortgage fees, and moving fees.


You can do it!! Start to plan and allow me to help in any way that I can to make your dreams of home ownership a reality.


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Nicole Lowe

Nicole Lowe

Sales Representative
CENTURY 21 Millennium Inc., Brokerage*
Contact Me