How do I start the process of buying a home? San Antonio, Texas

Buying a home starts with the approval from a lender. You need to find out what your buying power is. Because I list a lot of homes. I do get calls. About 80% of those calls are from buyers wanting to know how much will the down payment will be or what the monthly payments are. The is the first clue of many that the buyer is not qualified. Those same folks, I can tell are a little embarrassed that they don't know were to begin. I explain that The lender needs to know what your buying power is. This is also helpful for you. You may be renting or use to renting and just ask what the rent is and go from there.

Buying a home is different. It requires that not only your credit is checked. But you also have to have the down payment. FHA requires 3.5% of the sales price as a down payment. FHA is the least of the programs out there that requires the least of a down payment and the most popular. The only other program that requires less is VA. VA requirements are that you must be a veteran and a 0% down payment is required.

These are just a few of the programs out there. The key to all this is that you pick up on a buyer that is not sure. Be as helpful as possible. Even if they say they are working with another agent "nature rewards activity" If you help someone, somewhere down the line it will be returned.

for more info on the housing market and homes in your area. log on to my web site http://www.tmartsellshomes.com