Affordable homes for First Time Homebuyers

(That means you havenít owned a home in the last three years.)

by Ruth Lorenzen

Hi! My name is Ruth Lorenzen and Iím a Realtor who likes to help people find homes. There are some really good First Time Homebuyer programs available in the form of down payment assistance, grants, or low-interest and no-interest loans. These programs consider that youíre a ďfirst timeĒ homebuyer if you havenít owned a home in the last three years. Thatís right... itís true.

You can possibly get a very low-rate (fixed rate) loan for your home. This is not an adjustable rate mortgage where the payments go up over time. Your first payment equals your last payment. Very affordable!

There are other programs available, too. Youíre welcome to call me or visit this webpage on my website to find out more about these programs.

Affordable Condos

There are some really nice condos available in the Tarpon Springs and Palm Harbor areas that are priced just right and are very affordable. They are newly upgraded with new kitchens and baths, granite counters, new appliances, new carpets and tile floors. They are quite spacious with great community features such as a pool, gated community, and a fitness room, etc.

In one community, the 2-bedroom 2-bath units are just $155,000 and a 3-bedroom 2Ĺ-bath townhouse is just $173,000! The seller is even contributing up to $5,000 towards your closing costs. This, added to a first time homebuyer program, makes it very, very affordable to everyone to own their own home. I would be willing to give you a tour of the property or show you other properties if youíre interested. Call me for a tour. Click here to see photos and floorplans.


I have an extensive website where you can browse properties and see some of the condo communities that are offering some really good deals. Go to my website page of Condo Conversions to preview the properties including photos, information and prices.

Mortgage brokers

If you are not sure if you can afford buying or not, please contact your local mortgage broker. If you donít have one, I have several that I work with regularly. Their information is on my website at this link.

Have questions? ... Contact me by phone or through my website.

Testimonial from client: "In addition to 'listening', Ruth has a canny ability to understand her client's wants and needs. She found the 'perfect' location for me, and, within my financial parameters. The final process was filled with an inordinate amount of stress for me. Ruth stolidly stood by me during that process, even stayed with me when there was no one else to help (on the actual 'moving day'). Just her presence alone helped iron out the 'anxiety wrinkles'. She's the consummate professional with a twist. While I'm enjoying my first month at my new residence, when and if I decide to move, Ruth will be my choice. And I most assuredly will recommend her to my friends and associates who are looking for a new home." D.B. (Click for more client testimonials)

Click here to view homes and properties for sale.

© 2007 Ruth Lorenzen. All rights reserved.