First Time Home Buyers Look To Bruce Swinney and Associates To Understand The Helena Market

Buying your first home is the biggest decision many people will make in their life. You likely have waited years for the right time and financial stability to be able to buy your home. While this is a very exciting time in your life, many first time home buyers begin wondering “where do I start?” This is a valid question. For someone who has never been through the process and is unfamiliar with the real estate market it is easy to be left feeling a little overwhelmed. If you are looking to buy a home in Helena The Real Estate Team of Bruce Swinney and Associates can be your guiding light. Our team has helped many first time home buyers navigate the complicated process of buying their first home. 

The first step is to determine what you can afford and are looking for. When you work with the Swinney Team we will sit down with you and help you get a better handle on this. Our agents can help you look at your financial situation as well as give you an estimated monthly cost for your home. We can then come up with a list of needs and wants and determine what types of homes will fit into your budget. 

After we have determined what you can afford we will want to begin the process of getting you qualified/approved for a loan. This can be a time consuming task. Your lender will want to see a number of different items to verify your identity, income, debts, etc. While this can seem like a lot of work it does not have to be overwhelming. Our agents will help you identify the necessary paperwork before you begin the process. Being pre-approved for financing is something that can really help when it comes to negotiating on the home you want. 

Now we can begin the best part, finding the perfect home for you. We will take a look at the list we made of needs and wants, as well as consider the little things that make a home special to you. The Swinney Team has access to the most current listings on the market and can make sure you find exactly what you are looking for. Our agents will help you identify benefits and possible pitfalls to certain homes and neighborhoods. 

Finally once you have found the perfect home for you a Swinney Team Associate will help you with the negotiation process. This is where having a Realtor who truly has your best interest in mind can be very beneficial. We will make sure that you are treated fairly throughout this process and advise you on what is normal and what is not. This will allow you to get the best deal and terms in your purchase. Once these terms have been agreed upon your agent will make sure you are ready for the closing. 

After you have signed the closing papers the home is yours! 

The Bruce Swinney Team loves working with first time home buyers and creating a relationship that keeps their clients coming back for all their Helena Real Estate needs. Call us today to begin the process of buying your home in Helena. 406-442-3616