Dave Ratti
888-200-9443

Your Steps to Home Ownership

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1. Are You Ready?

Knowledge and experience are the keys to successful real estate transactions.  www.DaveRatti.com contains valuable information, that can be the essential keys to your success. It has been our experience that a blend of Internet resources with human intelligence and knowledge is the best platform from which to buy or sell a home - we offer this procedure only.

One of the keys to making the home buying process easier and more understandable is planning. In doing so, you'll be able to anticipate requests from lenders, lawyers and a host of other professionals. Furthermore, planning will help you discover valuable shortcuts in the home buying process.

Do You Know What You Want?
Whether you are a first-time homebuyer or entering the marketplace as a repeat buyer, you need to ask why you want to buy. Are you planning to move to a new community due to a lifestyle change or is buying an option and not a requirement? What would you like in terms of real estate that you do not now have? Do you have a purchasing timeframe?

Whatever your answers, the more you know about the real estate marketplace, the more likely you are to effectively define your goals.

Do You Have The Money?
Homes and financing are closely intertwined. (Financing is the difference between the purchase price and your down payment, commonly referred to as debt or the mortgage.) The good news is that over the years new and innovative loan programs have evolved which  now allow purchasers to buy real estate with nothing down.

In addition to a down payment, purchasers also need cash for closing costs. Several newly emerging loan programs not only allow the purchase of a home with no money down, but also underwrite closing costs.

Not everyone, however, elects to purchase with little or no money down. Less money down means higher monthly mortgage payments, so many homebuyers choose to buy with some cash up front.

As to closing costs, it may also be possible to negotiate an offer for a home that requires the owner to pay some or all of your settlement expenses. Speak with Dave for details.

Is Your Financial House in Order?
Those great loans with little or nothing down are not available to everyone: You need good credit. Ask Dave or someone on his team to guide you in the right direction. You wouldn't go skiing without a lesson 0 and surely you would not buy a home without the advice of an expert.  Call Dave.