First Time Home Buyers	Request Information
Buying a home is a improtant decision in your life.  A home is an investment. When you rent, you write a monthly check and that money is gone foreever.  However, when you own your home, you can deduct the cost of your mortgage loan interest from your federal income taxes and usually from your state taxes.  This saves you alot of money each year, because the interest you pay will make up most of your monthly payments for most of the years of your mortgage.  You can also deduct the property taxes you pay as a home owner.  In addition, the value of your home may go up over the years.  Fianlly, you'll enjoy having something that's all yours - a home where your personal style will tell the world who you are.
	For most home buyers home purchase is the largest life-time investment.  At Own Sweet Home we take your decision very seriously.  We'd make you proud to be the next home owner, making your American Dream come true.
As the First time buyer, the list of questions just keeps on growing.  We are here to answer every question you may have and guide you in the direction you feel most comfortable. Our neighborhood reports have information filled with demographic, employment, school, and housing information.  You can choose neighborhood tours based on safety, recreation and amenities.  Reports are specific to cities, zip codes and neighborhoods.  Relocation packages are available for your review to feel comfortable with the local neighborhoods and get familiar with the surroundings.	What is happenning in the Bay Area Market? Has the Bay area market doubled every 10 years? Hot Spots in the Bay area Markets and areas to avoid Is Condo a good investment or should I buy Townhome or single family home? How much home can I afford? How does lender evaluate my borrowing ability? What about various loan programs? Is interest only loan a good way to go? What are ARMS and how do they differ from Fixed rate loans? What is the determining factor: Price of Home or Interest Rates? IS there a logical reason for Bay Area Home price appreciation?  Or just another bubble? What is involved in contract negotiations? What if house I plan to buy does not appraise at the offered price? What are contingencies in purchase contract? What kind of inspections are recommended? How long does it take from Start to Ownership?
Making the decision to become a home owner is yours and we are here to supply you with all the information you may need to justify that decision. Credibility,  Authority & Expertise Own Sweet Home. Where You Belong!