Carmel real estate, Fishers real estate, Indianapolis real estate, and Carmel homes for sale, Fishers homes for sale in Indiana, Eli Lilly Relocation, DFAS Relocation - Team Pacilio, REALTORS® Team Pacilio REALTORS(r) for Carmel, Indianapolis and Fishers, Indiana real estate, Eli Lilly Relocation, DFAS Relocation - NUMBER1EXPERTS™ Team Pacilio NUMBER1EXPERTS(tm) for Carmel, Indianapolis and Fishers, Indiana real estate, Eli Lilly Relocation, DFAS Relocation
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Team Pacilio, REALTORŪ, real estate agents and broker for Carmel, Indianapolis and Fishers Indiana home listings, property and land for sale - NUMBER1EXPERT(tm)
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First Time Homebuyers: Carmel, Indianapolis and Fishers Indiana home buying, real estate listings, and homes for sale in Hamilton, Marion County, IN
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 Carmel, Indianapolis and Fishers 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 >Mortgage Fears

It is not unusual for home buyers to feel that the lender is being very critical during the loan approval process. The buyer is required to provide all kinds of financial information, and then the lender asks for more. If this is your experience, and the process seems discouraging, remember that none of this is personal!

Some lenders have more stringent requirements than others, but every lender requires a substantial amount of documentation on a mortgage loan. They must verify employment, credit history, and recent financial transactions involving your liquid assets. If your Visa payment was late, they may ask for a letter explaining why. If you are self-employed, they will ask for tax returns from at least three years and probably a year-to-date profit and loss statement.

Government regulations require mortgage companies to document everything. And while the loan officer may know that you are a reliable risk, the underwriters must be able to defend the loan to a federal bank examiner or auditor.

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Real Estate Trivia
Q 
What is the fastest-growing state in the U.S.?

A 
Nevada, for the 19th consecutive year, according to 2005 Census Bureau statistics.
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Team Pacilio, REALTORŪ, real estate agents and broker for Carmel, Indianapolis and Fishers Indiana home listings, property and land for sale - NUMBER1EXPERT(tm)

Team Pacilio
RE/MAX Ability Plus

15 E. Main Street
Suite 200
Carmel, IN. 46032
Direct: 317-569-9662
Office: 317-216-8500
Toll Free: 888-818-8285
Email: John@JohnPacilio.com

John specializes in value added processes for buying and selling real estate. He applies the knowledge gained from his professional consulting background in his approach to the real estate business to enhance the experience for his clients. His success is evident by a strong business growth pattern and the loyalty of his many repeat customers.

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