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Jim & Linda Graves Arnold are some of The Top Selling Real Estate Experts™
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First Time Homebuyers: Chesterfield, Saint Charles and West St. Louis Missouri home buying, real estate listings, and homes for sale in St. Louis County, MO

Welcome > For Buyers > First Time Homebuyers ...

Buying Your First Home? REALTORS® 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 Chesterfield, Saint Charles and West St. Louis 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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Buying Land and New Construction >The Zoning Variance

When you are selecting land on which to build your new home, be certain to investigate the zoning for that particular area. You might fall in love with rural acreage that just happens to be zoned for agricultural or recreational purposes. Since zoning uses are not interchangeable, you would need to apply for a variance in order to build a single-family residential dwelling on the land. This can be a challenging process!

Getting approval to have the zoning changed on property requires that you first give public notice, and then request approval for a variance from the government agencies that supervise enforcement of the zoning plan. You might encounter resistance from neighbors or various local interest groups who oppose the zoning changes that would allow you to build your dream home. Your local planning department can tell you how a particular property is zoned and explain what you need to do to get a variance. Your real estate agent may be able to refer you to a local land use attorney who can guide you through the process.

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Q	What house is considered to be the first house with running water in America?
A	John Headly's home built in Newport, RI in 1723, was equipped with an underground pipe from the nearby spring.
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Jim & Linda Graves Arnold, REALTOR®, real estate agents and broker for Chesterfield, Saint Charles and West St. Louis Missouri home listings, property and land for sale - NUMBER1EXPERT(tm)

Jim Arnold & Linda Graves- Arnold
Coldwell Banker Gundaker
1695 Clarkson Road
Chesterfield, Missouri, 63017
314-422-2762
636-448-8443
Fax: 636-532-3279
JimAndLinda@JimAndLindaRealEstate.com
The real estate team of Jim and Linda Graves Arnold provides buyer and seller services in all areas of St. Louis and St. Charles County with a focused emphasis on the Highway 70 and 40/61 corridor from Highway 270 to Wentzville. Their partnership is designed to meet the expectations of technology savvy buyers and sellers in ways no one else offers.

Jim and Linda are ranked in the top 3% of agents in the Number 1 Home Selling company in St. Louis – Coldwell Banker Gundaker. They are certified relocation specialists who have worked with some of the largest corporations in the country. Jim and Linda qualify annually for membership in the elite international Coldwell Banker President’s Circle. Professional designations include ABR (Accredited Buyers Representative); CRS (Certified Residential Specialist), a designation held by only 5% of all Realtors in the country; GRI (Graduate, REALTOR Institute), this includes over 90 hours of course study and exams; e-PRO (certified internet professional) and RRES (Residential Real Estate Specialist). Just recently, Linda became an MRE (Master of Real Estate.)

Jim and Linda have been President’s Award recipients for excellence in customer service three times. They offer “First Class Service” and are committed to excellence.

JimAndLindaRealEstate.com is brought to you by Jim & Linda Graves Arnold
NUMBER1EXPERTS™ in real estate for Chesterfield, Saint Charles and West St. Louis, Missouri, St. Louis

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