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Thanks
for stopping by! Make yourself at home, and “use” the website. Try the different tabs and see what is available.
If you are looking for something and you don't see it, email me at dpuntiga@charter.net
Buying a home is sometimes
a complex undertaking. Hiring me, a real estate professional, will help save you time and money. Together, we will determine
your needs and wants and find or sell your home. I promise to make your real estate experience stress-free and
agreeable. I possess a wide range of real estate experience and guarantee to find or sell your home in a timely and professional
manner. I will make sure that you get the most out of your next real estate transaction by taking advantage of cutting
edge technology, products and services.
Call Dwight Puntigan at 636-219-6242
dpuntiga@charter.net
St Charles county is offering an
incentive program to gain new St
Charles County home owners. The
county provides 500 which is
matched by the lender, builder,
or seller to provide a one
thousand dollar assist with your
closing costs. Joe Calcaterra
at 314-368-9515 is cooperating
with this matching fund
program. See
http://www.homestcharles.org./
While there also look at the tab
for down payment programs
available from the cities of St
Charles, St Peters, and
O'Fallon.
Remember, your least expensive
money to purchase housing should
be conventional financing.
However, this will also require
your credit to be at its best
and possibly 5 to 10% down
payment. FHA mortgages help
fill this gap. Read this
comparison
http://www.fhainfo.com/fhavsconventional.htm
Your VA benefits help your home
purchase buy not requiring the
3% down payment that the FHA
does but also due to government
guarantee the credit
restrictions are not as strict.
Read
http://www.vamortgagecenter.com/f/conventional_vs_va_loan.html FHA
also has the 203k program to
allow for costs of repairs to
get you into the house.
Bankruptcy, foreclosure,
unemployment are normally what
keeps you out of the housing
market. There are tools that
often can be used to avoid this
if used soon enough.
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You, your parents, your children, and their children need to know that the family is represented by a REALTOR when
any Real Estate question arises.
Being a REALTOR is a service business.
My rolodex of business cards is always available for “who to call” questions.
Rely on me for Real Estate
Marketing
Buying
&
Investing
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