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If you're thinking about buying your first house, you've probably heard a lot about how tough it can be to get a mortgage.
The truth is, a mortgage is within reach for most first-time buyers who have steady employment, no bankruptcies, and a reasonable debt load.
But ... even under the best circumstances, the process involves a lot of documentation. Proof of income is one of the most important parts of that equation. It's common to be asked for two years of pay stubs as part of your mortgage application.
If you just changed jobs or have an unconventional work history, it can be harder to dredge that information up. Luckily, it's usually not impossible – it just takes a few extra steps.
As 2017 draws to a close and we look ahead to a new year, it's a good time to think about your home buying plans. Whether you'd still like to squeeze your new home purchase in before the new year, or are planning to become a homeowner during 2018, there are plenty of good reasons to make the leap into homeownership sooner rather than later.

Today, it's not that unusual for single parents to buy a house. While the process comes with challenges, there is also plenty of help available. In fact, buying a house as a single parent may give you access to programs that allow you to negotiate more favorable loan terms, receive grants designed just for single parent shoppers, or secure a loan with a lower down payment. It's good to remember that you're not alone. Your real estate agent should be a huge help throughout the process because they have more than likely helped other single parents who have been in your shoes as first-time buyers.

Anyone who has purchased a home will tell you the process can be a series of ups and downs...making you feel like you're on a roller coaster. Our real estate agents know that falling in love with a house before you can fully commit, is a surefire way to start you off on a "down," so they've put together some suggestions to hopefully give you a more balanced experience.

Are you prepared for your first year of homeownership? Whether you just closed on your first house or you're still searching local Beavercreeak listings, you should know the hard work and careful decisions don't end on Moving Day.
The first year you spend in your new home will be a crucial one, because a lot can go wrong--or go right--as you get settled. Our REALTORS® want to help you protect your investment, so we've put together a list of some of the most common mistakes that new homeowners make. As long as you plan ahead and know what to expect, you can avoid these first-year flub-ups and enjoy a long, happy future in your new home.
