1. FIRST TIME HOMEBUYERS SEMINAR

2. BROUGHT TO YOU BY David Wax Casey Gates Gerry Suarez

3. THE 8 STEP PROCESS Buying a new home is easier than many people think. By following this simple 8 step outline, you can put yourself on the fast track to having a home of your own. http://www.experthomeloanadvisors.com/9Stepst oOwnership

4. STEP 1: MAKE THE DECISION This step might seem easy, but for many it is one of the most challenging. Before starting the process, think about your reasons for wanting to own a home. What are your needs? What location is suitable for you? Once you decide that buying a home is right for you, its time to take action!

5. STEP II: CHOOSE PROFESSIONAL GUIDANCE When purchasing a home, there are two key agents or advisors that we recommend turning to: Real Estate Agent Loan Officer

6. STEP III: SECURE FINANCING Speak with your loan officer about obtaining a loan Before writing a prequalification, the loan officer will need to perform the following: Help you find the loan program that is right for you Pull a Credit Report Verify Monthly Income Before approving a loan, the loan officer will need to review documents including the following: Past 2 years tax returns and W-2 forms Past 3 months of pay stubs Past 2 months of bank statements

7. STEP IV: BUILD MARKET KNOWLEDGE Consult with your real estate agent to determine the condition of the housing market in your area Determine: Market Value Location Construction Types

8. STEP V: FIND YOUR HOUSE Go out with your agent and find the property that’s right for you!

9. STEP VI: NEGOTIATE A DEAL Decide on an acceptable offering price Consider the following: Property Status Inspection Closing Costs Appraisal

10. STEP VII: CLOSE THE DEAL Once your offer has been accepted and your loan has been approved, its time to close the deal. Schedule a closing date and time with your title company and finalize the deal!

11. STEP VIII: MOVE IN Congratulations! After closing is over, you officially own your home! The last step is to move in.

12. QUESTIONS Contact Us: David Wax Real Estate Agent ERA Grizzard Real Estate (407) 435-4153 Casey Gates Loan Originator NMLS#1233230 Mortgage Financial Group (352) 250-9799 Visit us at experthomebuyingeducators.com for more information on our upcoming events!experthomebuyingeducators.com