Are you a first time home buyer? Here is an article you may be interested in reading. It has a "cheat sheet" for first time home buyers! Typical first time home buyers are on a limited budget and may be tempted to offer low-ball offers. This may not be the way to go in a seller's market. There are options though. You don't always have to have 20% down. There are FHA loans that offer 3 or 3.5% down, and if you are a veteran, there are some 0% down options. Give us a call today and we can walk through some options in our area with you!