Hello first time home buyers, I’m glad you came by for a visit. If you came to this website looking for loads of information about home loans, grants and zero down payment programs, you landed at the right place.

Or, perhaps you’re looking for a good mortgage calculator to figure a payment.

Allow me to introduce myself. My name is Jeff Ragan. That’s my ugly mug shot to the right. Ugh…. I hate wearing a tie!

The reason I built this website is 2-fold. First and foremost, you need reliable and accurate information.

Second, I want to help you understand the mortgage process so you can have a pleasant experience as a first time home buyer.

My personal experience

I bought my first home in 1978. It was a HUD foreclosure home. Man was I excited. You know the feeling, because you’re looking right now.

As a new home buyer, I was scared. I had questions like:

• How can I be sure that I can afford this home?
• What’s my credit score?
• What’s a first time home buyers loan? How does it work?
• Who can I turn to for reliable help?

I was just 23 years old, newly married, we had a brand new baby girl. I had a good job, but I was in debt up to my eyeballs, which is why the concern about affording the home.

One thing I remember is that I knew I wanted to buy a house. At least I understood that renting was a total waste of money. Why should I be paying the landlord’s mortgage payment anyway? I might as well be making my own house payment!

So, even though afraid of the unknown, I moved forward. My experience was a good one. The person who was selling the house was a builder who had bought it from a bank.

He took me through the house (which was all boarded up) with a flashlight. There was no power, no heat, broken windows, holes in the wall. He had prepared me for what I was about to see. The house was trashed.

I know it was a good thing my wife was not with me. It likely would have turned her stomach.

But at least I had some vision. The seller told me he would paint everything, fix the walls and windows, replace the carpet and it would be just like a new home. So I ....

Sorry, I guess I’m just rambling down memory lane and I just brought you, the first time home buyer with me. Want to learn more? Keep reading.

Let me explain further - why the website?

Now I help other people just like you learn about the ins & outs of buying that first home. It’s very rewarding!

I’ve heard horror stories of other first home buyers who had bad experiences. It seems that there are loan officers out there just looking to make a fast buck. They don’t care about you. You’re just a paycheck to them.

This website represents many hours of banging away on the ole keyboard just so that you can have all the information you need. I want your experience to be a good one. I care!

I want to help save you time, money and mistakes. If you, as the first time home buyer get into a bad loan, it can cost you thousands of dollars. I don’t want you to waste any time or money.

I’m certain you’re looking for info on:

1) First time home buyer mortgage

2) First time home buyer grants

3) Zero money down loans

4) Understanding your credit report

5) How much home you can afford

6) And much more!

So stick around, bookmark this page now. Then begin your education on first time home buyer loans.

If you look deep enough, you’ll even find some great resources for services or information that I personally recommend. I’ve helped many first time home buyers realize their dreams.

Of course you can request my FREE 14 pg guide “10 Critical Steps for First Time Home Buyers” ($19.95 value) or perhaps even get a FREE credit report.

If you have questions, visit my contact page to e-mail me. Now, let’s get started.

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