Currently you know the Homebuyer Tax Credit has expired but you can still find deals.

Congress has Not extended and expanded Homebuyer Tax Credit.
But you have an even greater opportunity to purchase that new home you've been waiting for because opportunities are more attractive especially the price.

Your first purchase process can seem complicated, but if you take things step-by-step, you will soon be holding the keys to your own home!

Nine steps to buying a home

1. Figure out how much you can afford
2. Know your rights
3. Shop for a loan
4. Learn about homebuying programs
5. Shop for a home
6. Make an offer
7. Get a home inspection
8. Shop for homeowners insurance
9. Sign papers

Step 1: Figure out how much you can afford

What you can afford depends on your income, credit rating, current monthly expenses, downpayment and the interest rate. Call us to help you find out.

Call us if you need help with your downpayment and/or closing costs?

A housing counselor can help you figure out how to manage and pay off your debt, and start saving for that downpayment!

Step 2: Know your rights

HUD is requiring that loan originators provide borrowers with a standard Good Faith Estimate that clearly discloses key loan terms and closing costs and that closing agents provide borrowers with a new HUD-1 settlement statement. New RESPA regulations were published November 17, 2008 and are scheduled to take full effect on January 1, 2010.

Over the last several years, our nation has made enormous progress in expanding access to capital for previously under served borrowers. Despite this progress, however, too many families are suffering today because of a growing incidence of abusive practices in a segment of the mortgage lending market. Predatory mortgage lending practices strip borrowers of home equity and threaten families with foreclosure, destabilizing the very communities that are beginning to enjoy the fruits of our nation’s economic success.

Step 3: Shop for a loan

Save money by doing your homework. We can help you when it comes to your costs and interest rates, negotiate to get a better deal. Consider getting pre-approved for a loan.

Step 4: Learn about homebuying programs

FHA loan programs offer lower downpayments and are a good option for first-time homebuyers.

Conventional Programs.

Down Payment Preograms.

We can help.

Step 5: Shop for a home

If you choose a home in a neighborhood with a Home Owners Association (HOA), be sure to request a copy of the HOA packet, so you can review before closing.

Step 6: Make an offer

We can help you with your real estate and or financing needs. If the seller counters your offer, you may need to negotiate until you both agree to the terms of the sale. We can help you negotiaste the purchase price.

Once you sign your purchase agreement,  we at Fidelity Financial Investments, Inc can also help with your financing.

Step 7: Get a home inspection

Usually your offer is contingent on a home inspection. An inspection will tell you about the condition of the home, and can help you avoid buying a home that needs major repairs. The inspection lets know know what the condition of the property is in.

Step 8: Shop for homeowners insurance

Lenders require that you have homeowners insurance. Be sure to shop around.

We have provided some links to help your search.

www.WesternMutual.com

http://www.farmers.com

http://homeinsurance.com

http://home-insurance-quote.allstate.com/


Step 9: Sign papers

You're finally ready to go to "settlement" or "closing." Be sure to read everything including know all your cost involved before you sign!

Fidelity Financial Investments Inc wants to help you. 

We realizes how difficult that it can be during these economic times. We will help you navigate the different programs avalable . 
We wants to turn your dreams of homeownership into reality.
Please contact us so we can help you reach your goals.

Whether you’re shopping for home staples or travel services or tax preparers, the Internet has changed the way most people gather information about products and services. For people who are thinking about buying a home, the change is apparent and can be helpful. The Internet now is the source of information that traditionally came from real estate agents, with online listings of homes for sale featuring full view pictures, prices, information on neighborhoods and schools, comparable sales, taxes, financing options, and more.
Fidelity Financial investments feels the internet is a tool to help you to help you narrow your search and help get you more informed.

Buying a home is the biggest financial investment most people will make. Fidelity Financial Investments, Inc will help you calculate how much you can afford . Ask us for any references of our previous clients who have helped before. Fidelity Financial Investments, Inc has a great deal of experience and market knowledge. Fidelity Financial Investments, Inc is professional and organized. We will listen to your needs.
Fidelity Financial Investments, Inc works and has knowledge in many neighborhoods that your are interested in are if it is out of our area we can refer to an agent that is knowledge in that area.
Fidelity Financial Investments, Inc can provide you with a list of references. We also can represent you has a First Time Home Buyer (buyer). We will work with you even if it means that we will need to accept a lower commission.

Fidelity Financial Investments, Inc is willing to show as many homes that will help you find the right home.

 We can refer various companies for your inspections, moving, insurance, and other related services. Shopping for these services is just like shopping for any services: Compare prices and ask for references before you make your choices