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First Time Homebuyers: Harrisburg, Hershey and Lancaster Pennsylvania home buying, real estate listings, and homes for sale in Lancaster County, PA

Welcome > For Buyers > First Time Homebuyers ...

Buying Your First Home? REALTORSŽ 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 Harrisburg, Hershey and Lancaster 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...

	About You
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*Phone:
	About Your Move
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	About Your Home Search
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First Time Buyers >Insuring Your Home

Many home buyers are concerned about whether they have an insurable interest in the property before the actual closing. The answer is an unqualified "yes". Although the buyer is not yet the recorded owner of the property, he or she has an insurable interest in the property as soon as the agreement of sale is executed by both the buyer and seller.

Should you get hazard insurance before the closing? It depends. Buyers do not usually insure a property until the title passes to them from the seller. However, it's wise to know what the agreement between you and the seller stipulates with regard to insurance.

Most agreements state that the property will be insured for a specific amount. This is very important to both parties. From the buyer's point of view, it is also critical that an adequate sum or full replacement value be stipulated. Watch out for agreements which read "as now insured". This is an all-too-common practice which usually indicates that the seller does not to want to increase inadequate insurance coverage.

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Q	Fewer than 2 percent of homeowners build this type of home:
A	Fewer than 2 percent build a custom home; most buy an older home or select from a home builder's menu.
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The John Smith Team, REALTORŽ, real estate agents and broker for Harrisburg, Hershey and Lancaster Pennsylvania home listings, property and land for sale - NUMBER1EXPERT(tm)

The John Smith Team
John Smith Real Estate Group
1255 South Market Street, Suite 101
Elizabethtown, PA 17022
Direct: 717-367-8310
Elizabethtown Office: 717-367-2400
Hershey Office: 717-533-1100
Elizabethtown Fax: 717-367-1950
Campbelltown Office: 717-838-1000
Email: john@johnsmithteam.com
John and his team of 13 professionals have been raising the standards for real estate sales in Central Pennsylvania for 24 years. Ranked #1 Top Producing Agent by Greater Harrisburg Board of Realtors 13 out of the last 14 years. With 250 home sales in 2006 with a sales volume of over $45 million, John has been recognized as one of the Top Real Estate Agents regionally and nationally. With strong family ties that include his wife, Eileen, of 32 years, and three sons, John is also committed to his community and his clients' real estate goals. Call or email John today and become a client for life!

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