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Welcome > For Buyers > First Time Homebuyers ...

Buying Your First Home? Real Estate Agents 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 Solon, Twinsburg and Bainbridge 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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School Reports in Solon, Twinsburg and Bainbridge, Ohio

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First Time Buyers >Choosing A Lender

When you are buying a new home or refinancing your present one, it is wise to do some comparison shopping among lenders. A low interest rate isn't the only criterion by which to evaluate a loan. You should also consider the terms of the mortgage, what your closing costs will be and the reputation of the lender.

Real estate agents are a good source of information about loans and lenders, whether you are buying a home or just refinancing your present home. We routinely assist buyers when they need a mortgage in order to purchase a home. We know what loan packages are available and the qualifying requirements. The companies with the lowest rates sometimes have very conservative underwriting guidelines, and may not be willing to make loans on certain types of property or to buyers who are marginally qualified. We can tell you which companies and loan officers will go the extra mile to provide excellent service to make sure that the transaction closes.

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Patricia Modica, REALTOR®, real estate agent and broker for Solon, Twinsburg and Bainbridge, Ohio home listings, property and land for sale - NUMBER1EXPERT(tm)

Patricia Modica
Howard Hanna Smythe Cramer
6240 Som Center Rd.
Solon, OH. 44139
Phone: 440-248-7313
Fax: 440-248-7540
Email: Pat@PatModica.com
Pat specializes in the communities and counties which make up the east side of Cleveland, including the Chagrin Valley area. In addition, Pat’s relocation connections allow her to link clients moving out of northeast Ohio with professional real estate assistance in their new location, as well as assist homebuyers moving into our area find a new community to call home. Pat has a team of professionals behind her, including her daughter, Jamie Mehl. The team’s number one priority is client satisfaction. They are always just a phone call away and ready to help, removing unnecessary stress from the transaction and making it a smooth and enjoyable process.

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