Alpena, Presque Isle and Hubbard Lake real estate and homes for sale in Michigan - Margie Haaxma, REALTORS® Margie Haaxma REALTORS(r) for Alpena, Presque Isle and Hubbard Lake, Michigan real estate - NUMBER1EXPERTS™ Margie Haaxma NUMBER1EXPERTS(tm) for Alpena, Presque Isle and Hubbard Lake, Michigan real estate
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First Time Homebuyers: Alpena, Presque Isle and Hubbard Lake Michigan home buying, real estate listings, and homes for sale in Alpena County, MI
Welcome > For Buyers > First Time Homebuyers ...


Buying Your First Home? REALTORSŪ Are Your Professional Guides. Make Sure You Choose Top Experts. 

You might be a bit afraid or intimidated by the whole process of buying your first home. As top Alpena, Presque Isle and Hubbard Lake real estate experts, it's our job to guide you, from beginning to end. 

We 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 us a bit about your situation below. We'll get right back to you. There is absolutely no charge, and we offer this to you with no strings attached. 

New to the home buying process? Tell us your concerns. Ask us questions. It's our job to help! There's no obligation, and we promise to get back to you quickly... 

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Real Estate Tips
Financing Your Home >If You Are Self Employed

There's no question that it could be more difficult for you to get a mortgage loan if you are a free lance viola player than if you are a government accountant. Traditionally, lenders have been more cautious when evaluating loan applications of buyers who are self-employed than people who work for a regular salary.

However, if you are self-employed, there is no reason for you to shy away from applying for a home mortgage loan, especially if your earnings have been in the same field for at least two years. It is a good idea to meet with one or more loan officers before you begin your search. They will probably want to analyze your tax returns for the past 2 or 3 years, keeping in mind that many self employed people can look impoverished on paper, since you can write off some expenses that salaried individuals can not. Try to get pre-approval from the lender, and ask for a letter stating that you have pre-qualified for a loan which your real estate agent can attach to any offer you submit on a home. This will make you more attractive to the sellers.

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Real Estate Trivia
Q 
What is the only land in the world that has not been walked on by human feet?

A 
A small 200 square-mile section of Antarctica is the only terrain on Earth that not one person has stepped foot on.
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Margie Haaxma, REALTORŪ, real estate agents and broker for Alpena, Presque Isle and Hubbard Lake Michigan home listings, property and land for sale - NUMBER1EXPERT(tm)

Margie Haaxma
Banner Realty

259 S. Ripley Blvd.
Alpena MI 49707-4003
989-356-1177
800-356-9961
Fax: 989 356-2147
margiehaaxma@NUMBER1EXPERT.com

Alpena's Most Successful Team... Margie Haaxma is Alpena's #1 Listing and Selling Agent and Broker of Banner Realty. She is a native of Alpena and was born to sell real estate! Her love is working to make a smooth and pleasant transaction for the buyer and seller. Margie's knowledge, experience, ethics, and training have been built over the years and the foundation of her business is from referrals. We welcome you once again...to Alpena's Most Successful Team...

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Banner Realty real estate and homes for sale in Alpena, Presque Isle and Hubbard Lake Michigan

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