Welcome or Register

Thank you for visiting today. If this is your first visit, take your time and look around. I have plenty of information and resources available to you. If you are a return visitor, thank you. I would love to hear from you and tell you how I can serve all your real estate needs.

CerinoHomes of Northern Virginia - Fairf

Buying: First-Time Buyers

Buying verses renting will save you money in the long run and starts you on your way to owning a home. You can stop paying rent and start building your own equity, financial and emotional security.

Often the amount of rent that you were paying will be close to the same amount that you would pay if you were buying a similar size home, plus insurance and taxes. But, when you take into account the tax savings and write offs, you actually will have more buying power than you ever expected and by making your mortgage payments in full, on time every month you will establish excellent credit for yourself.

I can help you with important information you need to know before you buy and direct you to other sources of great information to help you make informed decisions.

  • Start working with me
  • Check your Credit
  • Determine your buying power
  • Apply for a First Time Buyer Pre-Qualification Click to Pre-Qualify
  • Start working with a mortgage agent
  • Start today.


Credit Check

Before you start looking for a home, check your credit, even if you think that your history is spotless. Don’t wait until you are trying to buy your home. Do periodic credit checks on yourself. If you find discrepancies, you will need to obtain the information necessary to straighten these out before you apply for a mortgage make sure that you get it all in writing. Also close out any credit cards you no longer use and avoid making large purchases now. Bad credit and accumulated debt might prevent you from getting the mortgage you prefer, or getting the mortgage at the rate you were expecting. Clean credit and low debt will put you in the position of obtaining the best possible terms and rate.

Click here for a list of Credit Agencies

Know your buying power

Think you need a 20% down payment to buy a home?  Not so!  Speak with a mortgage specialist or your bank about the many different loan programs that are available for first-time homebuyers.  The amount of money you can borrow for a mortgage is based on your credit rating, employment history, income, and assets.  The money you have available for a down payment together with mortgage money is considered your "buying power." 

Speak with a mortgage specialist about becoming "pre-approved" for a loan. It is imperative to be able to demonstrate to the seller that you are able to purchase their home now in this area's fast-paced real estate market. 

Also, as a first time homebuyer, you have an advantage over a homebuyer who has to sell their current property first before they are able to buy. Your advantage comes from fewer restrictions and no time limitations.

You do not have to sell a home or do a back -to- back closing.

You can be more flexible with your move-in date.

This all adds up to advantages in your favor! A seller wants to see he least amount of problems associated with their sale and closing.


Before you start, begin with a plan (jump to Start with a Plan)

Why Pre-Qualify

It is extra important as a first time buyer to begin the qualification process as soon as possible. This will give you time to understand the options so you can make the right decision for you. The credit history that the lender will receive will provide you with a detailed list of your debts and how you have paid them in the past and a detailed itemization of your outstanding debt and open accounts. This will allow you to correct any issues that have been misreported or have not cleared out that were paid off. Then you can make sure you have the required funds prior to actually beginning the home buying process.


So begin by contacting a mortgage agent, get the ball rolling, and know what you can afford. You wouldn't go to the store if you didn't know how much money you had to spend. Then you will be confident that you are looking in the right price range for you.(jump to Pre-Qualify form)

Start working with a Realtor TODAY.

By starting to work with me today; I can guide you through the process involved with purchasing your home. There are many factors to be considered. Information will be collected and reviewed so that you can make informed decisions.

My service is Convenience.

I have all the information you need right at my fingertips! I will help you by providing fast and complete information to help you narrow down your selections. I can provide you with school, area reports, shopping, transportation, employers locations, etc.

I will provide the information on all properties for sale from the most up-to-date online listing service – putting you in control of your home search. I can also locate homes in many other ways.

Review complete details from the comfort of your home or office.  As a registered client, you'll receive the address allowing you to do "drive-bys" -viewing the neighborhood and property from the outside, then you can let us know which properties you would like to see inside.  Time is valuable - and we don't want to waste yours by taking you to unsuitable properties!

Fastest Response Possible
As a registered user, you can save the properties that interest you and then e-mail me or call me to set up an appointment. You will have access to available homes - 24 hours a day with complete details with no waiting like some other agents - who will deliver results next day or even worse 2 or more days or by mail only.

Berkshire Hathaway Home Services/PenFed Realty
45245 Business Ct, Suite 101
Dulles, VA 20166

Each Office Independently
Owned and Operated

Hosted by

agent photo
Todd Cerino
Berkshire Hathaway Home Services/PenFed Realty

1886 Metro Center Drive #200
Reston, VA 20190
Phone: 703-201-8898
Fax: 703-738-7254
Email: todd@cerinohomes.com