At usrealestatealabama.com we know that buying a home the biggest personal financial decisions you will ever make. You should be a bit afraid or intimidated by the whole buying process - especially if it’s your first home.

There should some buying questions!

William Diffy is a real estate expert, it's our job to help guide you, from beginning to the end, of your first home buying transaction. We will take every bit of time to go through each and every step of the buying process.

Question #1: Should I buy or rent?

A home is an investment. When you rent, you write your monthly checks and that money is gone forever. But 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. Because the interest you pay will make up most of your monthly payment for most of the years of your mortgage. You can also deduct the property taxes you pay as a homeowner. In addition, the value of your home may go up over the years. Finally, you'll enjoy having your own home.

Question #2: Should I use a real estate broker?

Using a real estate broker is a very good idea, but this is HUD says HUD web site). All the details involved in home buying, particularly the financial ones, can be mind-boggling. A good real estate broker can guide you through the entire process and make the experience a lot easier on you.

Other Questions: Together, we can help you consider:

• How much home will I be able to really afford?
• How you can get qualify on your first home.
• How much money you should put down.
• How to find out if you can buy your home with little or nothing down.
• Just what it’s going to take for you to get approved for financing. Just what the financial institutions will need form you.
• We can help you through out the financial process when it comes to buying your home. Like the different type of mortgages and all the different buying programs that are available for you.
• Just what your home payments will be.
• The different types of tax advantages there are when buying your home.
• What is better for you buying or renting?

Why would you use me at usrealestatealabama.com ?We know the special help you will need as a first time home buyer, William Diffy, offers a full range of services. So take your time and check out all that we can offer YOU. if you need anything just e-mail at william@usrealestatealabama.com or call at (205)907-2702