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First Time Home Buyer, Do You Know Where To Begin?

Hello first time home buyer, 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 new home buyer.

First Time Home Buyer Videos

FREE "Mortgage Minute Video Series Watch Now!"

Click Here for FREE "Mortgage Minute Video Series".

My first time home buyer 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 buyer 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 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 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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First Time Home Buyer Blog
As a First Time Home Buyer, you need to keep up with the ever changing mortgage market. This Blog can help you stay in the know!

Have a Question on Buying a Home?
Have a question on buying a home, credit problems, a loan, or mortgage? Find the best first time home buyer questions and answers here.

My Home Buying Experience
Tell your home buying experience and help others. You can share your story no matter if it is good or bad.

First Time Home Buyers Home Buying Process
What do first time home buyers need to do to start the home buying loan process. Find a wealth of information to help you start the mortgage for buying that first home.

First time home buyer guides that are available.
Coolest first time home buyer guides. Wonderful first time home buyers guide to teach how to buy that first home. Find the best home buyer guides for your first mortgage.

First Time Home Buyers Guide FREE reveals in 10 easy steps the mortgage process.
Your FREE copy of the First Time Home Buyers Guide details the mortgage process in 10 easy steps. This is a must read for all looking for the best home buyer guides. A first home buyers guide to help.

First Time Home Buyer Credit
Your first time home buyer credit is very important! This is often misunderstood on how it affects what interest rate you pay. Save money by learning how to be sure your credit file is in order.

Mortgage Calculators for First Time Home Buyers
Mortgage Calculators can help you when deciding on how much home you can afford. Discover the coolest group of home mortgage calculators to help you make various informed decisions.

Appraisal Basics
Realestate appraisal can help you, the first time home buyer, know how value is determined on your property. Discover how this affects your mortgage and your down payment.

Mortgage Closing Cost
Mortgage closing cost can become very confusing. With many claiming no closing cost mortgage you need to know the truth. Understand exactly what a home closing cost includes and more. Avoid the scams.

Good Faith Estimate Explained
Want the new good faith estimate explained to you in a simple and understandable way? Free video reveals how to understand the new 2010 RESPA guidelines and avoid unnecessary closing costs.

First Time Home Buyer Grants
First time home buyer grants here. Home buyers grants come in many different forms, you want help with your down payment for your mortgage, find the coolest home grants for mortgage assistance here!

First Time Home Buyer Grants State Lists
Looking for first time home buyer grants state lists? Find the coolest list of agencies by state helping you locate home down payment help for that first mortgage.

Down Payment Assistance for First Time Home Buyers
What is Down Payment Assistance for First Time Home Buyers? Is this a grant? Learn the difference between grants and down payment assistance programs.

First Time Home Buyer Programs abound, which one is best for you?
Locate the best first time home buyer programs. Home buying is a big decision so we want to learn all we can about home mortgages before selecting our first time home loans.

First Time Home Buyer Loans, what are they and how do they work?
Discover the best first time home buyer loans out there. Everyone at some time in their life investigates home loans. Learn about these home mortgages and how they work.

Best FHA Home Loans
For many, finding the best FHA home loans should not be a problem. Discover the coolest information on fha loans for first time home buyers.

VA Home Loan For You
Are you looking for a VA home loan that fits your needs? You have come to the right place. Discover the best VA home loans and requirements. A wealth of information on VA loans for that VA mortgage.

Zero Down Home Loans, Where Do You Find Them?
Real zero down home loans are hard to find. Discover for yourself the government program that can help you in todays market.

Credit Repair for Beginners.
Credit Repair does not have to be so difficult. Follow these simple steps on how to do it yourself for free and save hundreds of dollars.

Free Credit Scores - Get your free credit report today and save thousands!!
A free credit report can tell you many things. Find out for yourself what the credit bureaus say, do you have good credit scores? Save time, money and mistakes by understanding your credit report.

Credit repair tips, look here for free information.
Find the coolest credit repair tips on this page. Discover how to do a credit report dispute so you can accomplish credit report repair. Look here for your credit report help.

Credit Repair Letters, Do They Work? How Can You Find Them?
Credit repair letters have to be properly drafted. See our coolest tried and tested letters you can use to repair credit. This helps us to improve our mortgage credit score.

Bankruptcy Basics
The Bankruptcy process stops many people from trying to get a home loan. A mortgage is not impossible! Find the best information and how to buy a home when you have filed.

Mortgage Library for First Time Home Buyers
In our mortgage library you'll find hundreds of pages about mortgages, credit and much more.

The Mortgage Doctor newsletter is a FREE monthly newsletter.
This FREE newsletter called The Mortgage Doctor keeps you abreast of the changes in Home Loan Programs. This is a double opt-in list and includes a FREE bonus for signing up.

First Time Home Buyers Help
First Time Home Buyers Help Here!

First Time Home Buyer Resources
For other first time home buyer resources related to mortgages and real estate, visit this page. You will also find international mortgage resources and well as other resources to help you.

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