J. Philip's  Preferred Buyer Program  includes first-time home buyers, investors and other types of buyers. There is little we enjoy as much as helping you buy that first special home.  We help manage the maze of lenders, lawyers, appraisers, tax assessors, inspectors, insurance, title work, and other issues that are part of the transaction. There are dozens of costly errors a home buyer can make, which we can help you avoid. Our expertise in the mortgage industry and knowledge of low- and zero-down payment mortgage programs are a huge advantage for someone looking to buy their first home.    First-Time Home Buyers ARE Investors.  It is usually the biggest financial commitment of your life and you might feel you are dealing with an unfamiliar marketplace. Making calls to inquire about advertised properties often forces you to trade personal information in exchange for property details, which can then be followed by overzealous agents hounding you for business. Other times, phone calls are never returned and the property is sold before you get a chance to see it.  Our instant notification system emails you listings the instant they have been listed on the MLS (Multiple Listing Service database). With J. Philip's Auto-Notifier: Be the Buyer who gets your dream home BEFORE it is advertised. Don't be a victim of bait-and-switch tactics designed to attract buyers and not sell any specific houses.   You have much in common with investors owning multiple properties, as both groups must make the numbers work, such as affording their monthly payment, knowing the down payment, understanding closing costs, getting approved for a mortgage, and making sure the property's condition is mechanically sound to avoid costly or hidden repairs down the road.   First-time home buyers are a significant part of our clientele that counts on our expert guidance to help them avoid costly mistakes, and make it a manageable, headache-free, exciting experience.   Call or email us to find out how we can get the job done for you.