Affton, Webster Groves and St. Louis City real estate and homes for sale in Missouri - Karen Schindler Team, REALTORS® Karen Schindler REALTORS(r) for Affton, Webster Groves and St. Louis City, Missouri real estate - NUMBER1EXPERTS™ Karen Schindler NUMBER1EXPERTS(tm) for Affton, Webster Groves and St. Louis City, Missouri real estate
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Karen Schindler, REALTORŪ, real estate agents and broker for Affton, Webster Groves and St. Louis City Missouri home listings, property and land for sale - NUMBER1EXPERT(tm)
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First Time Homebuyers: Affton, Webster Groves and St. Louis City Missouri home buying, real estate listings, and homes for sale in St. Louis County, MO
Welcome > For Buyers > First Time Homebuyers ...


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

You might be a bit afraid or intimidated by the whole process of buying your first home. As top Affton, Webster Groves and St. Louis City 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
Financing Your Home >If You Are Self Employed

There's no question 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 of buyers who are self-employed than people who work for a regular salary.

However, 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. It is a good idea to meet with one or more loan officers before you begin your search. They will probably want to analyze your tax returns for the past 2 or 3 years, keeping in mind that many self employed people can look impoverished on paper, since you can write off some expenses that salaried individuals can not. Try to get pre-approval from the lender, and ask for a letter stating that you have pre-qualified for a loan which your real estate agent can attach to any offer you submit on a home. This will make you more attractive to the sellers.

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Real Estate Trivia
Q 
Legend has it that when Brigham Young first saw this city in 1847, he exclaimed: "This is the place!"

A 
Salt Lake City, Utah.
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Karen Schindler, REALTORŪ, real estate agents and broker for Affton, Webster Groves and St. Louis City Missouri home listings, property and land for sale - NUMBER1EXPERT(tm)

Karen Schindler
Keller Williams Realty St. Louis

10936 Manchester Road
St. Louis, MO 63122
314-966-2626
Fax: 314-677-6463
karenschindler@kw.com

Hi, we are the Karen Schindler Team, and we are full-time licensed professional Realtors that strive to help people accomplish their house buying and selling dreams. Karen is a life long resident of St. Louis. We love helping people relocate to our wonderful St. Louis community. In our successful careers, we have helped hundreds of people just like you turn their home ownership dreams into reality. Our clients are treated with the utmost in service, professionalism and integrity. Our goal is to make your home sale or purchase as smooth as possible. We would love to be your Realtors for life. It would be our pleasure to be of service. Email or call us today so we can begin making your dreams come true.

ABRCRSEqual HousingGRIMLSREALTOR




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