First Time Home Buyer Charlotte NC

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First Time Buyers

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As a First time home buyer in Charlotte NC, the road to homeownership can be very exciting and rewarding, but it can also be stressful and confusing with the myriad of questions that you need answers to:

� Where do I begin?

� Who do I contact?

� What can I afford and what costs can I expect?

� What is "down payment assistance" (DPA) and how can I receive it?

� What is Homebuyer Education and how can I benefit from it?

� What about community school assignments?

� What areas have the lowest taxes?

� What are the future plans for the area I'm considering moving to?

These are just a few of the questions that you may have when looking for your first home. The process can seem overwhelming, but it doesn't have to be. The Pruitt Group will walk you through the entire process. We will prequalify you for financing, provide information on down payment assistance and matching savings programs, negotiate purchase expenses to minimize your out-of-pocket costs, and even help you file your tax return amendment after closing to obtain your $8,000 first-time buyer tax credit after your purchase. We will provide insight on home valuations and future plans for different areas, as well as negotiate the best deals to save you money. We are expert professionals, and our work has earned us the prestigious Charlotte Magazine "Best in Client Satisfaction" award in 2007 and 2008.

The assistance we provide goes far beyond just finding you a home. We have expertise in various Charlotte Homeownership Programs, first-time buyer financing, down payment assistance programs, Charlotte FHA down payment assistance, and other Charlotte NC first time homebuyer resources. Additionally, we are a HUD-approved Realtor and can provide HUD assistance for all Charlotte HUD homes!

We are a designated Accredited Buyer Representative (ABR) and a Senior Real Estate Specialist (SRES) in Charlotte NC, and can help you navigate the homebuying process. We have the expertise to help whether you're a First-time buyer, or an Active Adult Empty Nester exploring Retirement Living options in your Golden Years. As a prospective homebuyer, you need your own exclusive representation to negotiate the terms and conditions of your home purchase. Best of all, our service is FREE to buyers! Let us help you find the way.

If you are interested in learning more about the various resources we use, and the superior homebuyer assistance we provide for first time home buyers, please complete the questionnaire below and a representative of The Pruitt Group will contact you for a confidential telephone consultation.

Getting Started

Before you start looking for a home, you need to begin the process of getting qualified and approved for home financing. Lender requirements are tougher today, so it is important to make contact with a lender as early as possible. The Pruitt Group has lending partners that offer a variety of mortgage products and programs, and we can help you get started by applying online. Also feel free to use our mortgage and finance calculators to help you evaluate home price affordability.

You may be able to take advantage of special loan programs for first time Buyers. We can evaluate you for eligibility and refer you to one of our professional and qualified Lenders to help you find the perfect loan program for your needs.

Working with New Home Builders

Exclusive representation is even more important when dealing with new homebuilders. Would you ever consider representing yourself in court without proper legal counsel while the other side has theirs? Of course not! However, consumers enter into legal and binding contracts worth hundreds of thousands of dollars with new homebuilders every day! They mistakenly believe that the on-site rep is working on their behalf, when these reps are employees of the homebuilder and are paid to represent that builder's best interest!

Homebuilder contracts are loaded with terms and provisions that are heavily weighted in favor of the builder and the majority of them can be negotiated in a buyer's favor by a knowledgeable real estate professional with the necessary expertise in real estate contract law.

As a homebuyer, you need experienced, professional and expert representation of your own. The Pruitt Group can give you the peace of mind and competent representation that you deserve. And remember...it's a FREE service to buyers!

First Time Buyer Communities

Stone Park is located in the University area of Charlotte, North Carolina and offers 6 different floorplans to choose from. With many amenities and spacious floorplans, this community is great for singles and small families. Spacious 3 and 4 bedroom homes are available to prospective residents starting in the $130's.

Farmington Ridge is located in the University area, one of Charlotte's fastest-growing and most active areas. This quiet neighborhood is just minutes away from the city's largest university, the University of North Carolina at Charlotte, as well as uptown Charlotte and the beautiful Lake Norman area. These homes range from the 130's to the 160's and are 1300-2500 sq.ft. They offer 3, 4 or 5 bedrooms with 2, 2 � or 3 baths and provide amenities including a swim club, sidewalks, beautiful landscaping, and more!

Monteith Place is located in the heart of Huntersville and offers quiet living, yet is minutes to I-77 and the new I-485. Choose your home from one of 8 floorplans. The community is withing walking distance to Huntersville Aquatic and Fitness Center and minutes away from uptown Charlotte. Homes in Monteith Place start in the $140's.

Heritage Green is located in the University area and offers 9 different floorplans to choose from. This community also offers up to $4000 for residents to put towards upgrades such as solid kitchen counter tops, stainless steel appliances, Jacuzzi garden tubs, and more. Amenities in this community include a Jr. Olympic sized swimming pool, deluxe clubhouse, gorgeous landscaping, picnic and playground areas, and much more. Homes in Heritage Green start from the $130's.