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Preparation: Key for First-Time Home Buyers

Did you make a New Year’s resolution to get in better physical shape? If so, you may have signed up for a “fun” run or race to make strides toward your goal. If you could choose between a race in six weeks or six months, which one would you pick? Some of you may have said six months to ensure you have time to train, prepare and accomplish your objective.

Buying your first home is a lot like a race. This will probably be the biggest purchase of your life and you may feel a little overwhelmed, even a bit scared about the large commitment. If you spend more time preparing for your home buying experience, you’ll be more confident, have access to resources and be emotionally prepared.

Does this sound like you: I want to buy a home, but I have to get my finances in order first. I have debt – I can’t buy a home now or I don’t have enough saved for a down payment.

Start preparing for your purchase goal today so you can be successful when you’re ready to start looking for a home of your own. The Hawaii HomeOwner-ship Center (HHOC) is here to help you.

• HAVE DEBT? We can help you develop a debt repayment strategy.

• HAVE CREDIT ISSUES? We can help you improve your credit score so you can qualify for a better interest rate for a mortgage.

• DON’T HAVE ENOUGH SAVINGS? We can help you develop a spending plan that includes saving each month. We’ll educate you about zero percent or low down payment loans.

• DON’T KNOW WHERE TO BEGIN? You’re not alone. We provide homebuyer education classes to teach you about the entire process and provide confidential homeownership coaching to support you every step of the way.

Are you thinking you’d like to become a homeowner? Take that very important first step and visit the HHOC website or contact the company to enroll in a class or getting some coaching for your goal. Visit hihomeownership.org, or info@hihomeownership.org. for more information or call 523-9500.

The HHOC is a nonprofit organization that helps get individuals and families get ready to purchase a home through classes about the buying process and how to prepare to purchase a home. Individual coaching sessions are also available and provide a basis for an action plan to get mortgage ready and learn about buyer resources.

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