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USA Mortgage - Sean Zalmanoff - Sean Z Mortgage

Guide for a First Time Home Buyer in St. Louis

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Start making those first steps to putting rent payments behind you and buying that first home you have always dreamed of.

There are so many benefits to owning your own home! As a homeowner, you will experience the security of owning the house that you live in. You’ll no longer be wasting money each month on rent payments. You will be able to create a home that meets your needs and desires.

In addition, you will be able to take advantage of tax benefits, while building home equity and creating a stronger credit history.

Buying your own home is likely to be the single largest investment you will make in your lifetime and this can seem like a daunting task. The Sean Z Team knows that this is an event you have been dreaming of for years and wants to make it as enjoyable for you as possible. We know all there is to know about obtaining financing for this major purchase and are more than happy to pass our knowledge onto you.

First Time Home Buyer

Many first time home buyers end up being surprised at the end of their search to find out that they can’t qualify for the home of their dreams that they have spent months looking for. They think they need to find a house to buy before getting the mortgage paperwork done. Don’t let this happen to you.

In order to avoid this scenario, we offer a variety of different mortgage programs aimed at first time home buyers and with our “TBD Mortgage Approval Program” you can be confident that you qualify before the search even begins.

What is the TBD Mortgage Approval Program?

In the mortgage world 95% of what we do has nothing to do with the house. All we need to do is get an appraisal and the title work and, as long as the house you choose appraises and the title is clean, you will be able to get a loan.

The process typically goes as follows:

  1. Fill out the application.
  2. We submit this to underwriting.
  3. Once approved, you’ll have 6 months before you have to have a house under contract.
  4. Search for a new home with the confidence of a “Cash Buyer”

So we literally can do almost your entire loan without you having a house under contract.

First Time Home Buyer Mortgage Options

There are a wide variety of mortgage options out there for first time home buyers. At the Sean Z mortgage, we will take the time to find the right mortgage with a payment that you can afford. Some of the options include:

Call the St. Louis Mortgage Experts

Sean Z and his entire team are proud to be a part of such a monumental milestone in your life and are dedicated to ensuring that it is the enjoyable experience for you that it should be.

Call us today at (314) 361-9976 or fill out our online contact form.

Sean Z Team
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