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Are You A First Time Home Buyer?

1-2-3 Credit & Me: Learn how you can Stabilize, Improve & Maintain your credit throughout your lifetime (Part of th Real Estate & Finance 360 Degrees Series of Books Book 6) by THOMAS (TJ) UNDERWOOD  | Sold by: Services LLC | Oct 19, 2020

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If you are considering purchasing a home or refinancingyou can go to or along with local mortgage lenders in your areato determine what loan will best suit youand your family.  You can compare closing costs, APR's and Par rates to determine what loan will best serve yourand your family's long-term interests.

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The Key To A Successful Purchase Is To Choose a Real Estate Agent Who Can Educate You on The Home Buying ProcessPrior to Your House Hunting.

When you are a first time home buyer the process can be a difficult and confusing process if you are not properly informed.

The opportunities for mistakes and missteps if not properly informed is greater if you do not know what to look for and have a real estate agent who is not familiar with the home buying process and who can’t explain the process in clear terms.

If you are unable to find a real estate agent who has the time to properly educate you on the home buying process there are many HUD-approved home-buying seminars offered by several organizations throughout metro Atlanta.

Although a home-buying seminar may cost you valuable time, the time spent can be well worth it.

Many consumers who are considering purchasing a home in today's economy  have found Home Buyer 411the Smart Guide to Buying Your Hometo be very helpful.

To learn more about (CCCSnow called CredAbility) click here...

The classes offered by many home buying agencies can consist of money management to how to pick a Realtor to how to find an appropriate mortgage company.

After taking a class where you go through the total home buying process you should be well informed and in a much better position than you were prior to taking the course.

Many agencies offer HUD approved counseling. Consumer Credit Counseling Services of Atlanta (CCCSnow called CredAbility) is an agency that has been very active in home buyer education and is different than many of the other agencies in that it offers personal credit counseling at no charge, and they also offer housing seminars.

Most agencies do not have the capacity to offer credit counseling and housing seminars and that is why CCCS (CredAbility) of Atlanta is one of the best agencies in my opinion.

You can sit down in person, contact a counselor by phone or the web and they will provide you with data that contains the basic outline of the home buying process.

You can also go back for as often as you like to receive further clarification of topics you don’t understand or have a particular concern about.

It is important for even experienced home buyers to realize that they may benefit from the seminars as well as there are credit experts available who can provide information on home inspections, real estate agents and closing attorneys.

Be Sure to Educate Yourself Prior to House Hunting

Many Down-Payment and grant programs require that you complete a Home Buyer Education Program in order to be eligible.

If you are considering taking a home buyer education course the key is to take it “early in the process” so that it can benefit you the most.

Just as home buyer education by a competent real estate agent can be invaluable, so to can attending a home buyer education course at the early stage in your home buying process be effective.

It can help you prevent many mistakes that even experienced home buyers and sellers make.  By taking the course early it can help you avoid the mistake of choosing an unreliable real estate agent.

By going to a home buyer class prior to purchasing your home you will be in a much better position when it comes time to selecting an effective real estate agent.

In my opinion, absent an agent who can educate you properly and in a manner that will benefit you the mosta home buyer education course can be invaluable.

About This Article:


The above article was written by Thomas (TJ) Underwood.   Thomas (TJ) Underwood is an active real estate broker in the state of Georgia and is the writer behind The Wealth Increaser, Home Buyer 411,  Home Seller 411, The 3 Step Structured Approach to Managing Your Finances, Managing & Improving Your Credit & Finances for this MILLENNIUM and CREDIT & FINANCE IMPROVEMENT MADE EASY—FREE GUIDE. 

He is the creator of where he regularly blogs about helping consumers improve their credit, finance and real estate pursuits in an intelligent, consistent and proactive manner.  He’s always looking for ways to make intelligent finance improvement happen for those who “sincerely desire” success in their future. 

You can contact him from a number of sources but the most direct way is to contact him through the contact us block that can be found at the bottom of this page. 

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Thomas (TJ) Underwood has been providing financial advice as a tax practitioner since the mid 1980’s and began his financial planning career (while earning a Bachelor of Science Degree in Business Administration/Finance/Marketing), in Detroit at Wayne State University.  From 2010 up to the present he continues to provide visitors timely personal finance and wealth building advice and articles—including real estate advice—on 3 sites that he has created since 2010. 

Even though he is an active real estate Broker in the Atlanta Metropolitan area, he continues to blog consistently to help visitors and those who desire lasting financial and life changing success the opportunity to change their life for the better in a more efficient way. 

You can learn more about him and gain access to all three sites that he has created by going to Who is the creator of page.

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