Omaha, Bellevue and Papillion real estate and homes for sale in Nebraska - The Hayton / Lytle Team, REALTOR® The Hayton / Lytle Team REALTOR(r) for Omaha, Bellevue and Papillion, Nebraska real estate - NUMBER1EXPERT™ The Hayton / Lytle Team NUMBER1EXPERT(tm) for Omaha, Bellevue and Papillion, Nebraska real estate
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The Hayton / Lytle Team, REALTOR®, real estate agent and broker for Omaha, Bellevue and Papillion Nebraska home listings, property and land for sale - NUMBER1EXPERT(tm)
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*** 2009 *** SOLD! Over 14 million in residential sales *** Hayton/Lytle Team CBSHOME 402-697-4463


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First Time Homebuyers: Omaha, Bellevue and Papillion Nebraska home buying, real estate listings, and homes for sale in Sarpy County, NE
Welcome > For Buyers > First Time Homebuyers ...


Buying Your First Home? Real Estate Agents 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 Omaha, Bellevue and Papillion 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
Buyers Remorse >First Time Loans

Most first-time buyers can qualify for a mortgage loan, but they may need help from parents to make the down payment or closing costs on their home. There are loan programs that minimize the down payment and closing costs for first-time buyers. These programs usually require that 3 to 5 percent of the purchase price come from the buyers' funds, not from a loan or gift. Most lenders ask for the last three months' bank records. The borrower will be asked to reveal the origin of any large deposits. If the money comes from the homebuyer's parents, the lender may not consider those funds when qualifying the buyers.

Parents who are planning to help their children finance a home should transfer any funds several months before the house-hunting process begins. If it is a loan rather than a gift, a formal re-payment agreement should be drawn up between parents and children to eliminate potential misunderstandings or future complications with either estate.

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Real Estate Trivia
Q 
What is a VA home loan?

A 
The Office of Veterans Affairs guarantees small or no-down payment mortgage loans made by lenders to U.S. veterans.
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The Hayton / Lytle Team, REALTOR®, real estate agents and broker for Omaha, Bellevue and Papillion Nebraska home listings, property and land for sale - NUMBER1EXPERT(tm)

The Hayton / Lytle Team
CBSHome Real Estate

11511 South 42nd Street
Bellevue, Nebraska 68123
Tel: 402-697-4463
Tel: 402-639-6363
Fax: 402-697-4445
Email: lindahayton@NUMBER1EXPERT.com
Email: linda.hayton@cbshome.com

We Make House Calls...That Sell HOMES! SOLD Over $15 million in residential real estate 2007! 33 years combined experience selling homes! Omaha, Bellevue, Papillion, Plattsmouth, Council Bluffs & Surrounding Certified Residential Specialist (CRS), Graduate Real Estate Institute (GRI), Accredited Buyer’s Representative (ABR), Certified New Home Sales Professional (CSP), and Cendant Mobility Referral Specialist (CMRS)

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