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"We've had several Realtors before, but none even came came close to Cyndi! If you're looking for a Realtor - Cyndi should be your #1 choice!"
Dave & Tracie Bennett, Beavercreek Ohio
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Cyndi's Direct : 937-604-5194
Don's Direct: 937-241-2124
Toll Free Fax: 1-888-602-8133
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First Time Home Buyers
Welcome > For Buyers > First Time Homebuyers ...

 



Hear about the experience of a first time home buyers, Matt & Jessica, who bought their first home in Beavercreek, Ohio.

Dayton Ohio real estate
Just because you are a first time home buyer doesn't mean you can't get a beautiful, quality home!

Buying Your First Home?  

Dayton real estate agents Don & Cyndi Shurts will help you get in the home of your dreams without going over your budget! 

There is no better time to stop renting and buy a Dayton homes for sale. First, across the Miami Valley home prices are at the lowest they have been in a few years. Second, interest rates for home mortgages is also the lowest they have been in years. Thirdly, the US government will give you up to an $8000 tax credit when you buy a home. 

We know you probably have lots of questions and maybe some doubts and anxieties about buying a home. Let us provide answers to your questions and bring peace of mind to your home search! 



You might be a bit afraid or intimidated by the whole process of buying your first home. We remember the purchase of our first house in Beavercreek!  

As top Kettering, Beavercreek, Springboro and Dayton real estate experts, it's our job to guide you, from beginning to end.  

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

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

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Real Estate Tips
Self Employed >No Problem

There is no doubt about the fact that it could be more difficult for you to get a mortgage loan if you are a free lance viola player than if you are a government accountant. Traditionally, lenders have been more cautious when evaluating loan applications from buyers who are self-employed than from those who work for a regular salary.

If you are self-employed, there is no reason for you to shy away from applying for a home mortgage loan, especially if your earnings have been in the same field for at least two years. Before you begin your search for a house, it is a good idea to meet with an agent of your choice who will be happy to accompany you as you meet with one or more loan officers. They will probably want to analyze your tax returns for the past 2 or 3 years. Because people who are self-employed can write off many expenses that salaried individuals cannot, it is possible that self-employed individuals may look impoverished on paper. Try to get pre-approval from the lender, and ask for a letter to that effect which the real estate agent can attach to any offer you submit on a home. This will make you look more attractive to the sellers.

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Real Estate Trivia
Q 
What is the world's most capacious building?

A 
The Boeing Company's main aircraft assembly plant in Everett, Washington, has been expanded to a capacity of 13.4 million cubic meters, or 473 million cubic feet.
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Cyndi Shurts and Donald E. Shurts Jr., REALTOR®, real estate agent and broker for Kettering, Beavercreek, Springboro and Dayton, Ohio home listings, property and land for sale - NUMBER1EXPERT

Cyndi Shurts and Donald E. Shurts Jr.
RE/MAX VICTORY

51 Plum St., suite 220
Beavercreek, OH 45440
Toll Free: 1-888-278-0295
Cyndi's Direct : 937-604-5194
Don's Direct: 937-241-2124
Toll Free Fax: 1-888-602-8133
Don's Email: Don@WelcomeHomeDayton.com
Cyndi's Email: Cyndi@WelcomeHomeDayton.com

Cyndi & Don Shurts have created a reputation of outstanding service and attention to details with past home buyers and sellers, other Dayton Realtors, and real estate service providers in the Dayton area. Miami Valley Dream Homes & RE/MAX Victory at The Greene provide unmatched, cutting edge tools and technologies to accomplish specific goals for our real estate clients, both buyers and sellers. This team provided many free services beyond the standard real estate agent. They are home staging experts, extensive internet marketing experts, Short Sale experts and new construction specialists. Cyndi and Donald Shurts are members of the National Association of Realtors (NAR),Ohio Association of Realtors, and the Dayton Area Board of Realtors. This Dayton Ohio real estate team will SAVE you TIME & MONEY in buying or selling a home. See the dozens of testimonials from past clients. Past Client phone numbers available upon request.

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