Bryan and College Station real estate and homes for sale in Texas, Bryan-College Station - Phil Callahan, REALTOR® Phil Callahan REALTOR(r) for Bryan and College Station, Texas real estate - NUMBER1EXPERT™ Phil Callahan NUMBER1EXPERT(tm) for Bryan and College Station, Texas real estate
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Phil Callahan, REALTORŪ, real estate agent and broker for Bryan and College Station Texas home listings, property and land for sale - NUMBER1EXPERT(tm)
All agents are NOT alike! Find out why I am a top real estate expert. Call me: 979-764-6000 ext 22.


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First Time Homebuyers: Bryan and College Station Texas home buying, real estate listings, and homes for sale in Brazos County, TX
Welcome > For Buyers > First Time Homebuyers ...


Buying Your First Home? REALTORSŪ Are Your Professional Guides. Make Sure You Choose a Top Expert. 

You might be a bit afraid or intimidated by the whole process of buying your first home. As a top Bryan and College Station real estate expert, it's my job to guide you, from beginning to end. 

I 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 me a bit about your situation below. I'll get right back to you. There is absolutely no charge, and I offer this to you with no strings attached. 

New to the home buying process? Tell me your concerns. Ask me questions. It's my job to help! There's no obligation, and I promise to get back to you quickly... 

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Real Estate Tips
Financing Your Home >Qualifying For A Loan

It is useful for home buyers to understand the difference between loan pre-qualification and pre-approval. Pre-qualification, which in today's marketplace is usually done by mortgage brokers, means working with the buyers to determine how much they can afford and which loans are the most likely to be available to them. Loan pre-qualification can save buyers time and money and can even be a bargaining tool with a seller. However, pre-qualification is not the same as loan "pre-approval". The mortgage broker can often get the buyer a pre-qualification letter, but pre-approval must be issued by the mortgage lender.

Pre-approval means that the lender has definitely committed to loaning the buyer money, once the house itself is approved. Since it is a much stronger pledge, it is a much more valuable negotiating tool. When you hear someone talking about "pre-approval", they are referring to specific acknowlegment by a lender that they are willing to loan the buyer money. The real estate agent can be of assistance in this process.

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Real Estate Trivia
Q 
What is considered one of the key elements of the American dream?

A 
Home ownership is considered to a key to the American dream; more than 2 million first-time buyers bought property last year.
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Phil Callahan, REALTORŪ, real estate agent and broker for Bryan and College Station Texas home listings, property and land for sale - NUMBER1EXPERT(tm)

Phil Callahan
RE/MAX Bryan-College Station

526 University Dr. East, Ste 101-B
College Station, Tx, 77840
979-764-6000 ext. 22
979-777-2649 Cell
979-764-7676 Fax
phil@philcallahan.com

Phil Callahan has been selling Bryan-College Station real estate for over 20 years and knows how to handle every important step of your purchase or sale with finesse and skill. Phil is a CRS (Certified Residential Specialist), an ABR (Accredited Buyer Representative) and the recipient of the coveted RE/MAX Hall of Fame Award. Contact Phil today via email or give him a call!

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RE/MAX Bryan-College Station real estate and homes for sale in Bryan and College Station Texas

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