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First-Time Home Buyers

Congratulations on the decision to purchase your first home!

Important Note:

To qualify for First-Time Home Buyer Tax Credit, you must have to have a signed binding contract to purchase a home by April 30, 2010. The transaction must close by June 30, 2010.

Call a Total Mortgage expert now at 877-868-2503 to find out how we can customize a mortgage loan with some of the lowest current mortgage rates for you.

More Information on First Time Home Buyer Tax Credit:

» Do you qualify for Tax Credits?
   Checklist: First-Time Home Buyers | Move-up Home Buyers

» First-Time Home Buyer Information Center
» Homebuyer Tax Credit 2010
» First Time Home Buyer Tax Credit: Questions and Answers

Purchasing your first home is both stressful and exciting. The process of buying a home, especially for first-time home buyers, can be arduous and complicated. One of the biggest parts of the home-buying process is the mortgage loan. Getting expert advice will ensure that your mortgage is the right one for your individual financial situation.

Whether you already have a large down payment in hand or a relatively small down payment, Total Mortgage can tailor a mortgage loan that meets your needs. We can connect you with realtors and attorneys in your area, expedite the appraisal, complete the title search, as well as the many other aspects of the home-buying experience that you may not yet be familiar.

Get Pre-Approved Before You Start Looking

It's quite easy to get carried away with the thought of buying a home. To avoid disappointment, it's beneficial for first-time home buyers to get an accurate idea of how much they can afford to borrow before the house-hunting process even begins. To be ready for homeownership, steady income and a good employment record are essential parameters. Decent credit scores and an accurate idea of your total debt should be at the forefront.

Contact Total Mortgage today for a free pre-approval and to see what size mortgage you qualify for. As an alternative to a conventional mortgage for first-time homebuyers, call Total Mortgage and ask one of our mortgage experts if an FHA Mortgage is right for you.

Get Expert Advice On the Right Mortgage For Your Circumstances

Everyone's financial situation is different. Your individual circumstances will dictate what mortgage is right for you. For first-time homebuyers, it is absolutely essential to seek expert advice as early as possible. You may not be aware of the tax credit for first-time home buyers, but a mortgage professional will be able to guide you in the right direction.

At Total Mortgage Services, our team of experienced loan officers will walk you through each step of the mortgage process, including the first-time homebuyer tax credit mentioned above. You will speak to a real person, get expert advice and get the best interest rate available. The mortgage experts at Total Mortgage are always upfront and honest, so there are no surprises at the closing table.

Take the first step towards owning your first home and choose the mortgage service known for having some of America's lowest mortgage rates and fees.

Call a Total Mortgage expert now at 877-868-2503 to find out how we can customize a mortgage loan with some of the lowest current mortgage rates for you.

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