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Welcome > For Buyers > First Time Homebuyers ...

Buying Your First Home? REALTORS® 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 Crestwood, South St. Louis County and Sunset Hills 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 >More On ARMs

Lenders are always looking for new ways to help buyers get into the home of their dreams. Today they frequently use adjustable rate mortgages (ARMs) to increase the buyer's options. The interest rate on an ARM changes periodically to reflect changes in the national market. Since the loan starts at a rate that is lower than the national average, lenders can reduce the borrower's qualifying criteria.

One way to distinguish between different ARMs is by the national index to which they are tied. Some ARMs are tied to a slow-moving index called the cost-of-funds index; these are usually the most desirable. ARMs that are tied to a more volatile index, such as Treasury Notes, can be adjusted upward at a quicker rate. Look at all the factors before choosing a loan. The faster index loan may start out with lower rates and lower monthly payments, but the slower index ARM may eliminate your concern about having to re-finance down the road.

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The Dave Bueker ''Smooth Move'' Team, REALTOR®, real estate agent and broker for Crestwood, South St. Louis County and Sunset Hills, Missouri home listings, property and land for sale - NUMBER1EXPERT

The Dave Bueker 'Smooth Move' Team
Keller Williams St. Louis

10936 Manchester Rd.
Kirkwood, MO 63122
314-677-6100
Fax: 314-677-6103
Email: davebueker@NUMBER1EXPERT.com

Dave Bueker is one of the most dedicated and committed real estate professionals in the St. Louis area. The Dave Bueker "Smooth Move" Team dedicates 100% of its time delivering first-class service to its customers. We are interested in building strong, lasting, lifelong relationships...one person at a time.

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Keller Williams St. Louis real estate and homes for sale in Crestwood, South St. Louis County and Sunset Hills Missouri

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