First Time Home-Buyers

“My wife and I finally have our first home!!! Big thanks to the BEST Realtor in town, Mike Christoffel with MBC Realty & Insurance Group. Everyone who is thinking about buying a house needs to use him and support your local small business (and it's free to use a Realtor as a buyer). Mike showed us well over 60 houses and dealt with us for more than a year. He will show any house, anywhere, at any time. He answers his phone no matter what time of the day. He will start as your Realtor, and end as your friend...yes, super cheesy, but the truth, nonetheless.

Derrick Olson, First Time Buyer November 2011 in Aurora "

Buying your first home is terrifying, gratifying, nerve racking and amazing and in the end it is always worth it. I specialize in working with first time home buyer's and will help guide you through the current mine field that is real estate to help you find the best home. Some buyers find the perfect house in a week while others take a year or more. You can feel confident working with me that I am in it for the long haul to protect your best interest with all things regarding real estate. My goal is to be your Realtor for life.

How I Can Help
Before you start looking
Closing Costs

As Your Agent, I Will:

Assure that you see all the properties in the area that meet your criteria. For your convenience, I also provide listings by email.
Guide you through the entire home buying process, from finding homes to look at, to getting the best financing.
Make sure you don't pay too much for your new home and help you avoid costly mistakes.
Answer all of your questions about the local market area, including schools, neighborhoods, the local economy, and more.

Before You Start Looking For Your New Home:

Check your credit rating. Straighten out any errors before its too late.
Determine a comfortable monthly budget for your new purchase, including down payment and monthly payment.
Find a loan program that meets your needs and get pre-qualified (preferably pre-approved).
Once you have established a price range and loan program we meet to discuss the entire home buying process. Today's market is extremely complicated and as a first time buyer you will want to know what you can expect.
Determine what neighborhood best matches your needs. (I recommend ranking your top 5 choices)
Identify important features you need your new home to have keeping in mind that in most cases buying your first home is not the same as buying your dream home. Remember that "wants" and "needs" are two different things.

Closing Costs to Expect:

Lender fees include charges for loan processing, underwriting, preparation and establishing an escrow account.
Third-party fees include charges for insurance, title search, and other inspections such as termites.
Government fees include deed recording and state & local mortgage taxes.
Escrow and interest fees include homeowner's insurance, loan interest, real estate taxes, and occasionally private mortgage insurance.

Find out how much your closing costs could be.

Contact Information
* First Name:
* Last Name:
* Email:
Phone:
Please send me updates:
Information About the Home You Are Looking For
When do you anticipate purchasing your new home?
Are you working with a real estate agent?	Yes No
What must you have in a new home?
Approximately priced between:	and
Save my information.
* required field	Your inquiry has been sent.