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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 Top Experts.

You might be a bit afraid or intimidated by the whole process of buying your first home. As top Suffolk County 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.

Our recommended Mortgage Broker:
Jamie Vider
Senior Mortgage Advisor
2415 Jerusalem Avenue - Suite 106
North Belmore, NY 11710
631.525.7590 - Mobile
jamie@compasshmc.com
www.compasshmc.com

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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Financing Your Home >New Loans

If you are considering applying for a mortgage to purchase a new home or to refinance your present home, don't delay. Despite fluctuation in interest rates, lenders are still processing many new loan applications.

You should gather all the necessary paperwork before you apply, and submit your loan application as soon as possible. At a minimum, the information required by a lender will consist of proof of your earnings and a clear picture of your total monthly income and expenses. If you are self-employed, or have long-term obligations such as alimony or child support, the preparation time and the amount of paperwork increases.

Despite the need to move rather quickly for a mortgage in today's market, you should "make haste carefully." Shop carefully for your loan by comparing all costs and terms. With the number of lenders vying for your business, new and better deals are always appearing.

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Q	What real estate board game became the best-selling game in America just one year after it was created?
A	Charles B. Darrow invented Monopoly in 1934, to cheer himself up while unemployed during the Great Depression. Monopoly is now the most popular board game in the world and has sold over 200 million copies.
See More Real Estate Trivia >

Carmela, Jason and Jonathan Kaiser, REALTOR®, real estate agent and broker for Brookhaven Township, Smithtown Township and The North Shore, New York home listings, property and land for sale - NUMBER1EXPERT

Carmela, Jason, and Jonathan Kaiser
Fortune Realty of LI
24 Arbor Ridge Lane
South Setauket, NY 11720
Carmela Kaiser : 631-379-1612
Jason Kaiser: 631-764-1422
Jonathan Kaiser: 631-235-2646
Office: 631-320-0800
Fax: 631-846-1771
CarmelaKaiser@NUMBER1EXPERT.com
jonkaiser@fortunerealtyli.com
I’m Carmela Kaiser, Broker/Owner of Fortune Realty of L.I. I bring over twenty-five years experience in real estate including numerous awards and an impressive record as a top producer. I achieved this by following what I believe is basis of real estate sales: putting the needs of my clients first and foremost. As a result, about 85% of my business now comes from personal referrals and repeat business achieved by giving outstanding customer service, both during and after the transaction, and by always making my clients’ best interest my top priority. This is the foundation on which Fortune Realty of LI was founded. I work with a talented family team of agents, available to our clients seven days a week. We address every aspect of your real estate transaction with three times the manpower and attention. With a combined thirty-five years experience in real estate and over 900 homes marketed and sold, our clients’ best interest is our top priority!

www.FortuneRealtyLI.com is brought to you by Carmela, Jason and Jonathan Kaiser, real estate for
Brookhaven Township, Smithtown Township and The North Shore, New York

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