First Time Home Buyer help
Once you have your money lined up and know how much you may spend, it is time to
start house hunting. You secure the money first;  because everyone is looking for the
best house in the greatest neighborhood. That one house will draw multiple buyers.
You needed to prepare to act fast.
Do yourself a favor and keep your search criteria a little loose. Remember you are
buying not renting. Statistically  you will live in your new home for at least 5 years.
That is plenty of time to rip out pink shag carpet or paint a lime room over. Those are
just cosmetic things. When you find a sound structure in a great location, with the right
size yard and number of needed bedrooms and baths at your price point .... go for it..
Start Your Home Search Here . You may create your own search or use  pre-set
searches where you are able to sign up for instant updates and NEW Listings based on
your choices.
Member of the Realtors Association of Lake and Sumter Counties, aka RALSC, the Mid Florida Regional MLS,  
National Association of Realtors and an agent for Charles Rutenberg Realty one of the largest and highest producing
Real Estate firms in all of Central Florida.  If you are looking to Buy or Sell - Call me 352-408-3868
352-408-3868

MUST-SEE-HOMES  Free search of homes and land  for sale including both New homes and more experienced homes plus condo,
townhouse, villas Along with mobile home and manufactured homes on their own land The    
search area is Lake, Orange, Marion, Sumter and Volusia counties and more specifically the cities of Astatula, Eustis, Fruitland Park,
Grand Island, Howey in the Hills, Lady Lake, Leesburg, Mount Dora, Mt Plymouth, Ocklawaha, Okahumpka, Sorrento, Summerfield,
Tangerine, Tavares, The Villages, Umatilla, Weirsdale and Wildwood. You are NOT required to sign up to search and find your perfect
place. If you do sign up you will receive automatic updates as soon as a new listing comes up that matches your search criteria. It is a
great way to NOT miss out on the home you want
352-408-3868
Agent Charles Rutenberg Realty
WWW
MUST-SEE-HOMES
As a First Time Home Buyer you may find the buying process overwhelming and odd.
Think about it.
If you walked into Starbuck's and they asked you to show your money before ordering, you'd
probably be offended. Yet it is the first thing you need to do when preparing to buy a home.
If you are a CASH BUYER you will need a 'POF' Proof of Funds letter from your Bank.
You may also want to consider buying Auction property.
Where do you find a lender and do all bankers offer what you want and need?
If you have good to excellent credit with plenty of
down payment money most any bank or credit
union may assist you.
It is always advisable to receive multiple quotes, compare interest rates and ferret out all those
extra fees such as underwriter and origination costs to find a true bottom line.
If your credit isn't the greatest or you often receive texts from your
bank letting you know your account has reached a zero balance ...
don't despair
I hate my landlord and want to buy a house but have no money
There are counties here in Florida that will GIFT you up to $40,000
to aide you in your home purchase!!
Yes, it is true. These programs usually require you to take a Home Ownership class and
(this is the important part) some require you to use specific approved lenders.
BuildersUpdate update SpotlightBuilders Update
If NEW is what you want and nothing else will do please use the banner ad upper
right. There you will find the Builder's Update with new communities popping up all
around central Florida. You are able to adjust search by price, area, number of
rooms etc...
It is important to note that ANY home you purchase including brand new or those where the
Seller is providing you with a One year Home Warranty should be INSPECTED by a
PROFESSIONAL that works for YOU
Find
Home Inspectors
Does that "NEW" home need some improvements or updates? Be sure to check out the Home Improvements page. You will find it HERE
FREE MONEY - DOWN PAYMENT HELP