St. Charles, St. Charles County and O'Fallon real estate and homes for sale in Missouri, new construction, relocation - The Kathy Helbig Team, REALTORS® The Kathy Helbig Team REALTORS(r) for St. Charles, St. Charles County and O'Fallon, Missouri real estate, new construction, relocation - NUMBER1EXPERTS™ The Kathy Helbig Team NUMBER1EXPERTS(tm) for St. Charles, St. Charles County and O'Fallon, Missouri real estate, new construction, relocation
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The Kathy Helbig Team, REALTORŪ, real estate agents and broker for St. Charles, St. Charles County and O'Fallon Missouri home listings, property and land for sale - NUMBER1EXPERT(tm)
Find out why Kathy is consistently one of St. Louis & St. Charles' highest selling agents! Call Today! 314-276-7653




"The sale of my home was so quick and easy that it was hard to believe."
Marlene Johnson
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First Time Homebuyers: St. Charles, St. Charles County and O'Fallon Missouri home buying, real estate listings, and homes for sale in St. Louis County, MO
Welcome > For Buyers > First Time Homebuyers ...


Buying Your First Home? Real Estate Agents Are Your Professional Guides. Make Sure You Choose Top Experts. 

You might be a bit afraid or intimidated by the whole process of buying your first home. As top St. Charles, St. Charles County and O'Fallon real estate experts, it's our job to guide you, from beginning to end. 

We will take the time to go through each and every step of the buying process. There are no dumb questions! 

Together, we will consider: 

- How much can you really afford? 

- How to qualify for a mortgage. 

- How much cash you should put down. 

- How to buy a home with little or nothing down. 

- What it takes to get approved for financing. What banks and other financial institutions are looking for. 

- How much your payments will be. 

- The tax advantages of buying. 

- Is renting or buying better for you? 

Tell us a bit about your situation below. We'll get right back to you. There is absolutely no charge, and we offer this to you with no strings attached. 

New to the home buying process? Tell us your concerns. Ask us questions. It's our job to help! There's no obligation, and we promise to get back to you quickly... 

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Real Estate Tips
Real Estate Contracts >Clean Contracts

"Clean" is a term that is often used to describe an offer on a house. A "clean" offer does not refer to the price of the house, but to the terms of the agreement. If you really want a particular house, the "cleaner" you can make your offer, the better.

What are the characteristics of a clean contract? A contract is considered "clean" when the buyers are paying cash or are clearly qualified for a mortgage, the sale isn't contingent on the sale of another home, the buyers don't ask the sellers to carry any of the financing, and if the closing date coincides with the sellers' needs. A clean contract doesn't have any unusual requests for repairs or insistence that certain articles convey that would not ordinarily stay in the house. A clean offer has an important competitive edge if you are offering less than full price or if you are in a situation where there is more than one offer on the property.

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Real Estate Trivia
Q 
What area in the U.S. has been referred to as the "American Riviera"?

A 
Miami Beach in Biscayne Bay is Florida's pre-eminent place for "people watching" and a hot spot for celebrities.
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The Kathy Helbig Team, REALTORŪ, real estate agents and broker for St. Charles, St. Charles County and O'Fallon Missouri home listings, property and land for sale - NUMBER1EXPERT(tm)

The Kathy Team
Keller Williams Realty

10936 Manchester Rd.
Kirkwood, MO. 63122
Kathy Cell: 314-276-SOLD (7653)
Direct: 636-300-0001
Fax: 636-300-9930
Email: kathyhelbig@NUMBER1EXPERT.com

The Kathy Helbig Team has identified the potential uncertainties of buying and selling a home and has developed cutting edge tools to temper those uncertainties. The key to making the process work is a Big Picture view and a continuous flow of information. Please spend a few minutes to familiarize yourself with the tools available on this site and see for yourself how technology can be put to work for you and how information can become your best weapon against the stress of Real Estate transactions.

RE License 1999118350

CRSMLSREALTOR


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