Whether it’s a condo, a town-house, or a single-family home, Justin Basso has a mortgage that will work for you! There are a few things that first-time home buyers need to know about getting a mortgage: • You really should get a pre-approval • Mortgage lenders qualify you on four main categories: o Income (your ability to make mortgage and other payments) o Credit history (have you been responsible in the past?) o Equity (do you have a down payment, and how much?) o Property (is the home you’re buying worth what you think it is?) • Mortgage Lenders like Justin Basso are able to offer a wider variety of mortgage products, and rate options than banks. • You may be able to qualify for more if you have a co-signor. A co-signer is usually a family member who wants to help you buy your first home. • You can obtain a down payment from a family member in the form of a gift. I can provide you with a gift letter that can be used for this purpose, and we would be happy to guide you through this process. There are many more things to become educated about when you’re a first time home buyer. It would be my pleasure to talk with you to see if I can help you buy your first home?