Considering Buying a Home in Central PA?

Let Us Help With Your Home Buying Journey

Many people wonder what their first step is when they’re ready to buy a house. Naturally they start to look on the internet and boom… the first realtor they talk to will direct them in the correct path to get a second opinion. We here at American Dreams are very knowledgeable about grant money, first time home buyer programs, Veterans Loans, Rural Development Loans, so make sure you give us a call before you sign the dotted line-YOU WILL BE SO HAPPY YOU DID!

Get a Mortgage Pre-Approval

First and foremost you will need to get a mortgage pre-approval. Most realtors will not even show you a home until this step has been taken.

Work with a Realtor®

Secondly, you will want to work with a Realtor® since they usually have a local mortgage broker that can help you with your pre-approval. Depending on your credit score this may determine the type of loan you qualify for (ie: Debt income ratio, Credit scores, VA loans, etc).

Search For Homes

Since we know the type of loan you qualify for, we can search for homes that are qualified with the type of home financing you are approved for. Examples: FHA loans require certain distance restrictions from the well and septic as well as other government loans. Conventional loans are easier to finance and do not tend to call for as many repairs.

First Time Home Buyers Grants

Fourth, it is very important to know that there is grant money available for first time home buyers. Also, there are programs for many of our surrounding counties that will finance a home for 100% financing. Most home buyers do not know all the secrets until they start working with a real estate agent.

Two Parts To a Home Purchase

Finally, it’s very important is to understand that there are two parts to a home purchase. A percentage down on the sale price of the home is a requirement the bank will need as part of the financing. The second part deals with the closing cost, which includes the title search, transfer tax, home-owners insurance, pro-rated taxes paid up front for escrow, home inspections, septic inspections and several other miscellaneous fees.

Our Recent Central PA Listings

Browse the newest homes for sale across Central Pennsylvania’s most desirable neighborhoods and communities.

Testimonials

Rebecca Geiling

Lisa was great to work with; she was available every time I needed a question answered or wanted a last minute showing of a home. This was my first time buying a house by myself and Lisa made the process extremely easy from mortgage pre-approval to final closing. She had my best interest in mind and made me feel like a priority every spiro of the way. I would definitely use her again for any future needs and would recommend her to others.

Joe from Camp Hill

Lisa did an overall terrific job getting my house sold. We ran into many bumps in the road but Lisa was great at negotiating with buyer on issues like roof repair and radon mitigation. Lisa maintained a professional attitude throughout the process. Lisa was also good at scheduling and allowed to have two closing in the same day. The house I sold and then the house I purchased.