Buffalo, Clarence and Amherst real estate and homes for sale in New York, lake front properties - Mary Certo and Mary Schemm, REALTORS® Mary Certo and Mary Schemm REALTORS(r) for Buffalo, Clarence and Amherst, New York real estate, lake front properties - NUMBER1EXPERTS™ Mary Certo and Mary Schemm NUMBER1EXPERTS(tm) for Buffalo, Clarence and Amherst, New York real estate, lake front properties

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Mary Certo and Mary Schemm, REALTORŪ, real estate agents and broker for Buffalo, Clarence and Amherst New York home listings, property and land for sale - NUMBER1EXPERT(tm)
All agents are NOT alike! Find out why we are top real estate experts. Call us: 716-846-9401.


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First Time Homebuyers: Buffalo, Clarence and Amherst New York home buying, real estate listings, and homes for sale in Erie County, NY
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 Buffalo, Clarence and Amherst 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
First Time Buyers >Choosing A Lender

When you are buying a new home or refinancing your present one, it is wise to do some comparison shopping among lenders. A low interest rate isn't the only criterion by which to evaluate a loan. You should also consider the terms of the mortgage, what your closing costs will be and the reputation of the lender.

Real estate agents are a good source of information about loans and lenders, whether you are buying a home or just refinancing your present home. We routinely assist buyers when they need a mortgage in order to purchase a home. We know what loan packages are available and the qualifying requirements. The companies with the lowest rates sometimes have very conservative underwriting guidelines, and may not be willing to make loans on certain types of property or to buyers who are marginally qualified. We can tell you which companies and loan officers will go the extra mile to provide excellent service to make sure that the transaction closes.

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Real Estate Trivia
Q 
What is considered one of the slimmest buildings ever designed?

A 
The Carnegie Hall Tower, designed by Cesar Pelli, is only 50 feet wide and 60 stories high.
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Mary Certo and Mary Schemm, REALTORŪ, real estate agents and broker for Buffalo, Clarence and Amherst New York home listings, property and land for sale - NUMBER1EXPERT(tm)

Mary Certo and Mary Schemm
Realty USA

3830 Union Rd.
Cheektowaga, NY 14225
Tel: 716.846.9401
Tel: 716-983-7561 (Schemm)
Tel: 716-743-5906 (Certo)
Tel: 716-743-6734 (Schemm)
Fax: 716-681-4925
Email: maryandmary@NUMBER1EXPERT.com

When it comes time for your move in WNY, we are the ultimate resource. There is no substitute for focused attention on your goals to accomplish your real estate dreams. Combining our extensive local market expertise with in-depth area knowledge, we will make your transaction a complete success.

Equal HousingMLSREALTOR


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