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First Time Homebuyers: Avon, Avon Lake, Bay Village, and Westlake Ohio home buying, real estate listings, and homes for sale in Lorain County, OH

Welcome > For Buyers > First Time Homebuyers ...

Buying Your First Home? REALTORS® Are Your Professional Guides. Make Sure You Choose Top Experts.

You might be a bit afraid or intimidated by the whole process of buying your first home. As top Avon, Avon Lake, Bay Village, and Westlake 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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About Appraisals >Refinancing Your Home

Interest rates fluctuate as changes occur in the general economy. If you purchased your home when interest rates were higher, you may want to consider re-financing your loan at a lower rate.

You will have to apply for the new mortgage and have your current income eligibility assessed. Depending on how long you have had your present loan, a current appraisal may be required. There are closing costs, such as attorney, title fees, recording and notary fees, and appraisal charges. The biggest factor in your decision should be the length of time you plan to remain in your home. If you will be there for only a year or two more, it might not pay to re-finance. If you will be in your home longer, re-financing could provide you with lower mortgage payments. Your real estate agent can help you work out the numbers and can refer you to reputable home appraisers and mortgage lenders.

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Q	What site discovered in 1965 is considered the world's oldest known habitation?
A	The Terra Amata site in Nice, France has the remains of 21 huts belonging to the Acheulian culture from 400,000 years ago.
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The Kodger Team, REALTOR®, real estate agents and broker for Avon, Avon Lake, Bay Village, and Westlake Ohio home listings, property and land for sale - NUMBER1EXPERT(tm)

The Kodger Team
RE/MAX Homeward Bound
Toll Free: 888-309-8326
Office: 440-933-8326
Email: KKodger@remax.net
The Kodger Team is Lorain County Ohio's leading Real Estate Team! Ken and Lois Kodger have been involved in the sale of more re-sale homes within our market area than any other Realtor or team over the past twenty years! Remember, EXPERIENCE COUNTS!! There is a difference in Realtors and the services rendered! Written and guaranteed marketing plans that work set us apart! Contact us to satisfy your North Coast real estate needs! We also donate a portion of our commission to the Children's Miracle Network-with those proceeds going to Rainbow Babies and Children's Hospital! We have lived 95% of our lives in North Olmsted, Ohio; Bay Village, Ohio; Rocky River, Ohio; Avon Lake, Ohio and Fairview Park, Ohio so we are exceptionally familiar with our market area! Call us for a free consultaion!

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