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First Time Home Buyers

Welcome > For Buyers > First Time Homebuyers ...

Buying Your First Home? Real Estate Agents Are Your Professional Guides So Make Sure You Choose Top Experts. Want Tax Credit Information? Fill Out The Form Below! 

You might be a bit afraid or intimidated by the whole process of buying your first home. As top Hattiesburg 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

Short Sales >5. What If My Lender Refuses My Short Sale Request?

The most common reason for a lender to refuse a short sale request is loss. That is, the lender will refuse a short sale if their calculations suggest that they will lose less via a foreclosure. If this happens to you:

Step 1: Demand a written letter from the loan servicer explaining exactly why the request has been denied.
Step 2: Figure out and write down the projected losses you’ll experience if the home is foreclosed on as opposed to sold as a short sale.
Step 3: Notify the company handling the loan that if the house is foreclosed on, you will be suing them for the damages you documented in Step 2.

If you follow this procedure, you should be in the clear either way. Either your home will be sold as a short sale like you previously wanted, or you will have the potential to regain your losses after foreclosure from the lawsuit. Your best strategy for navigating the short sale process is to work with a qualified agent who can assist you. The agent will help you work through the process and/or any contingency plans.

See All Tips In The "Short Sales" Category >
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Real Estate Trivia

Q 
What four states in the Southwest are noted for having boundaries that touch.

A 
New Mexico, Arizona, Utah and Colorado, referred to as the "Four Corners", have adjoining boundaries.
See More Real Estate Trivia >

DeLois Smith All Star Team, REALTOR®, real estate agent and broker for Hattiesburg, Mississippi home listings, property and land for sale - NUMBER1EXPERT

The DeLois Smith All Star Team, REALTORS®
Experience the Power of a Team

4 Willow Bend, Suite 2A
Hattiesburg, MS. 39402
1-800-335-6477
Oak Grove Office: 601-545-3900
Oak Grove Fax: 601-264-7300
Petal Office: 601-450-1683
Petal Fax: 601-450-1685
Email: info@deloissmith.com

The DeLois Smith All Star Team, REALTORS brings you over 200 years of accumulated experience along with the most innovative marketing strategies in the real estate industry. Put The DeLois Smith All Star Team, REALTORS® to work for you as you consider your next home sale or purchase. Experience the team approach to real estate and make us your REALTOR® for life! See how The DeLois Smith All Star Team, REALTORS® really is bringing Hattiesburg home again and again ™.

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