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First Time Homebuyers: Potomac, Rockville and Montgomery County, Maryland home buying, real estate listings, and homes for sale in Montgomery County, MD

Welcome > For Buyers > First Time Homebuyers ...

Buying Your First Home? REALTORSŽ Are Your Professional Guides. Make Sure You Choose a Top Expert.

You might be a bit afraid or intimidated by the whole process of buying your first home. As a top Potomac, Rockville and Montgomery County real estate expert, it's my job to guide you, from beginning to end.

I 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 me a bit about your situation below. I'll get right back to you. There is absolutely no charge, and I offer this to you with no strings attached.

New to the home buying process? Tell me your concerns. Ask me questions. It's my job to help! There's no obligation, and I promise to get back to you quickly...

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Time to Move >Advantages of Buying Down

Your youngest child has just left home! Your present house now seems enormous. Your "empty nest" has prompted thoughts of selling your home and moving to a smaller, more manageable house.

Before you make a move, you should consult two important professionals--your real estate agent and your tax planner. A good real estate agent will be able to tell you the value of your current home and the availability of alternative houses in your preferred area.

Buying a smaller home or condo can have important advantages, such as lowering your property taxes, simplifying property maintenance, and generating cash which can be put into income-producing investments. You will also want to consider the tax laws which allow capital gain exclusions whether you "buy up" to a more expensive home or "buy down" to a less expensive one. If you are moving downtown from the suburbs in order to be close to cultural centers, theaters and restaurants, there may be "quality of life" issues, such as noise or parking. Your real estate agent and your tax planner can provide valuable information to assist you in making such decisions.

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Q	Who is the world's richest living person?
A	William H. Gates, III, Chairman of Microsoft Corporation, whose wealth was estimated at $46.6 billion in 2004.
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Jay Crosby, REALTORŽ, real estate agent and broker for Potomac, Rockville and Montgomery County, Maryland home listings, property and land for sale - NUMBER1EXPERT(tm)

Jay Crosby
RE/MAX Pros
20270 Goldenrod Lane, #200
Germantown, MD. 20876
301-785-5399
301-916-1400 x387
800-848-8275 x387
Fax: 301-916-0282
Email: jaycrosby@NUMBER1EXPERT.com
Jay has been a dedicated full-time Realtor for 18 years and ranks in the top 1% of Realtors nationwide. He relocated from California to Montgomery County in 1971. Having lived here for over 32 years, he knows Montgomery County. Jay is known for his upbeat personality, a "can do" attitude and thrives by providing a high level of service for his clients. Jay and his wife Kelly along with their three children live in Potomac, Maryland and when he is not working he spends his time on family activities, coaching kids, and involvement with his local church. Jay would love to hear from you to explore any real estate needs you might have. Call Jay direct on his cell phone at 301/785-5399 or drop him an email at jaycrosby@remax.net.

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NUMBER1EXPERT™ in real estate for Potomac, Rockville and Montgomery County, Maryland

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