The Ultimate Guide for First-Time Homebuyers in Hampton Roads, Virginia
Are you a first-time homebuyer in Hampton Roads, Virginia, looking for a new home but feeling overwhelmed by the process? Don't worry! Christina Cicero, a local loan officer, is here to help you every step of the way.
The first tip Christina suggests is to find a fantastic realtor and talk to a loan officer. It's important to know your financials and budget before starting your home search, as that will determine the price point you should be looking at. A loan officer can help you get pre-approved for a mortgage, which is a crucial step in the home-buying process.
What's the difference between pre-qualification and pre-approval? Pre-qualification is a rough estimate of how much mortgage you may be able to afford, while pre-approval is a more detailed evaluation of your financial situation, including an in-depth credit check, pay stub validation, and interest rate calculations.
Check out the Marching 2 More Podcast where Christina shares her own story and lets first-time homebuyers know that they're not alone in feeling overwhelmed. She emphasizes the importance of working with a real estate agent and a loan officer as a team to make the process as smooth and streamlined as possible.
So, first-time homebuyers, take a deep breath, and let Christina and her team help you make your dream of owning a home in Hampton Roads a reality!