First Time Home Buyer

How-To Guide: Buying Your First Home (Move.com in partnership with Realtor.com)

Article - $8,000 Tax Credit (Realtor.org)

Mortgage Glossary Terminology

Steps To Buying

With Bobby Sepolen, a Pocono Realtor, nothing is too complicated. Call or Email Bobby, your local Pocono Real Estate Agent.


Calculate your budget
Get your pre-approval for a PA mortgage, it gives your estimated home price
Decide where in the Poconos you want to live

in the towns of Stroudsburg or East Stroudsburg

with nature in Stroud, Tannersville, Marshalls Creek, Smithfield, Bushkill

or Brodheadsville, Effort, Cresco, Tobyhanna, etc.

Identify the type of real estate you want

move-in condition or fixer-upper

ranch, contemporary, colonial, bi-level, log, farm, etc.

Search For Your Home (hint: use PocRE.com)
Visit homes
Find the right home
Make your offer to buy
Negotiate with Seller
Seller accepts your offer

Home inspection
Make formal application for a PA real estate mortgage
Lender begins the detailed processing of your loan application
Get Homeowners insurance
Lender provides estimate of closing and related costs
Lender requests

Home appraisal of the value of the home

your credit report

verification of your employment and assets

Lender evaluates your application and approves the loan

Lender disburses funds
Closing documents are signed by you and the seller
You receive the keys to your home
Documents are recorded at the County Recorder's Office
The Home is Yours!