First Time Buyer

Main Street Bank endeavors to make your first home purchase one of the most exciting and rewarding experiences of your life. We  accomplish this by educating you on the entire loan process.

We are here to answer all the questions you may have regarding the home buying process. Our loan officers understand the importance of assisting first time buyers. You can expect one of our professionals to ask you numerous questions such as:

  • How much cash do you have to work with?
  • How long do you plan on staying in the property?
  • Are there any credit issues we need to address?
  • How long have you been on your job and what are your short and long-term employment objectives?
  • What value range are you looking in and what associated payment amount are you looking for?
  • How important are issues such as school districts or easy thoroughfare access?

A highly-educated first time home buyer has a distinct advantage in searching for a new home. Additionally, some other important things to consider:

Pre-approved buyers typically get preferential treatment when negotiating a home purchase. Once pre-approved, you are now financially qualified to purchase and are considered to be more serious than buyers who are not. A pre-approval will map out exactly how much home you can afford. Contact one of our experienced loan officers and obtain your pre-approval.

Selecting a Real Estate Professional is one of the most important steps in the process. Finding a Realtor who knows the market and is worthy of your trust is an important part of a smooth home buying experience. Interviewing agents will enable you to learn about their knowledge of the local market.

If you are a first time buyer, allow us to spend the necessary time to educate you in the process, answer your questions and alleviate all of your concerns. There is always a special feeling for us when we can assist those who never anticipated being able to fulfill their dream of homeownership.