Home Buying

Success for First Time Home Buyers

Buying a home is an exciting time in your life and it's a process that takes expertise to navigate. Making the smart move of choosing a realtor is your first step to ensuring that your new home and community meet your specific needs. Don’t Rent Talk 2 Brent is Utah’s best resource for first time home buyers. Our services and experience range from getting you setup with the best financial resources available {e.g. down payment assistance and mortgage lending) to helping you close on the perfect home for your family.

Financial Options: Mortgage Lending, Down Payment Assistance, etc

To go through the home-buying process, the first thing that we'll need to know is how you sit financially.

• Check your credit score on our Credit Report page. Don't worry, if your credit isn't that great, we will coach you in the right direction an get you there!
• Determine what you can afford for a monthly mortgage payment and down-payment. To see what kind of loan you qualify for, fill out this pre-qualification information and we'll find the lender that will work best for you.
• Get familiar with the types of loans that are available to you. We'll also walk you through these loans and help you determine which are the best option for you and your budget. This includes mortgage lending and down payment assistance.

Finding the Perfect House

• Identify important features you need your new home to have.
• Ensure that you see all of the properties in the area that meet your criteria. You can also check out the MLS listings in Utah to get a head-start on the search process. Just let us know any of the properties you want to tour!
• Answer all of your questions about the local market area, including schools, neighborhoods, the local economy, and more. You can find information on the schools in Utah on our Local School Profiles page. Or just ask us. We are intimately familiar with the communities across the state of Utah.
• Once we find the house that meets all of your needs at the right price, we'll put in an offer for you!

Our Goal is Your Success

Our goal is to make sure first time home buyers don't pay too much for a new home and help them avoid costly mistakes. There are closing costs associated with buying a house, so here's what you can expect:

• Lender fees include charges for loan processing, underwriting, preparation and establishing an escrow account.
• Third-party fees include charges for insurance, title search, and other inspections such as termites.
• Government fees include deed recording and state & local mortgage taxes.
• Escrow and interest fees include homeowner's insurance, loan interest, real estate taxes, and occasionally private mortgage insurance.

Brent Scott makes sure that we negotiate all of these fees for you so you don't have to pay out of pocket for them!

Give Brent a call today or fill out our contact form and we can start the home-buying process for you today!