First Time Home Buyers Seminar presented by New Hampshire Housing Finance Authority. Host Andrew Cadorette
This 2 evening event was held on March 6th & 8th 2007. All 3 hours were video taped and have power point presentations included.
Speakers covered all the topics that you need to know to purchase a home.
If this is your first time buying a home or not, this seminar will give you up to date information on the home purchasing process
and financing programs available.

This seminar covers the Steps to owning a home. *

The hardest part about the home buying process is knowing where to start.

Education - View this online First Time Home Buyer Seminar. This will help you assess your readiness to buy and identify techniques to help you find the home you want.

Review Your Budget – Budgeting your money is the second step in preparing for home ownership. Most consumers interested in purchasing a home need to save money for their down payment, closing costs and other expenses associated with moving and home maintenance.

Identify Loan Amount - Visit a lender and be pre-qualified for a mortgage loan.

Assess Your Needs - Identify the features in a home that will be most important to you and your family.

Work With a Real Estate Agent - Choose a Real Estate Agent to show you properties in your area.

Purchase and Sales Agreement - Your Real Estate Agent will help you to make an offer and negotiate a purchase price on a property. Be sure your offer is contingent on your ability to obtain the mortgage needed and any inspections you wish to have.

Inspection - Arrange for a professional home inspector to look at the property.

Complete Loan Package - Contact your mortgage lender to complete your application. Be sure to respond promptly to any requests from the lender for information.

Lender Approval - The lender’s formal approval of your loan request is called a “commitment letter.” Give a copy of this letter to your Realtor to confirm that you have complied with the terms of your contract with the seller.

Closing - At the closing, you will sign all of the mortgage documents and receive the deed and keys to your home from the seller.

Housing Solutions highly recommends viewing these presentations.
The information useful for home buyers in NH or VT, or anywhere in the County.

Working with Real Estate Agents: Speaker Lynne LaBombarde, Buyer Broker

Assessing Condition of the Home : Speaker Rick Lalancette, Home inspector

Length Approx 45min.

Start Segment 1

An Attorney's Perspective: Speaker, Ray Morin

NHHFA Mortgage Programs: Speaker Andrew Cadorette

Length :45min

Start Segment 2

USDA Rural Development Programs: Speaker Richard Roderick

Budgeting & Financial Mgmt.: Speaker Becky Palmer

Length :45min

Start Segment 3

Credit Reports: Speaker Becky Palmer

The Mortgage Application Process: Speaker C. Stanford Cross

Length :45min

Start Segment 4

New Hampshire Housing Finance Authority website

NHHFA Single Family Mortgage Program

If you would like to attend a seminar to receive your education certificate
you can down load this pdf of the 2007 first time home buyers seminar schedule.

Vermont Housing Finance Agency website

MOVE— MOrtgages for VErmonters
MOVE is VHFA's most popular loan program.
MOVE offers borrowers flexible down payment requirements and qualifying guidelines and
a number of interest rate and point options.

* Steps to owning a home are from the NHHFA website.