Buy Land At A Great Price

Are you searching for residential lots, acreage and homes at wholesale prices?

Look no further! We have real estate at deeply discounted prices and are ready to sell. If you're looking for properties well below market value we can help!

We have both land and homes for sale at discounted prices. You might be looking for 200 acres or 20 acres for off-grid living. Maybe you want 5 acres to build your rural ranch. A property by a lake may be your dream. Or you could be looking for 4 bedroom house or a 1 bedroom condo in the city. Regardless of your dream, we might have something for you.

Bellagirl Real Estate has a tenacious, solution-seeking, and energetic team that works hard to acquire properties below market value so that we can pass the savings to you.

You can find all our properties for sale at our cathleennationhomes.com  and sugarsellsland.com websites.

At Bellagirl Real Estate we pride ourselves on having excellent attention to detail, which  begins with fully understanding your unique situation as a land/home buyer or seller. After establishing a relationship and gaining a solid understanding of YOU, we will guide you through the process, look after all the details, coach you through challenges, keep you on track and informed throughout the entire process. 

Every home buyer and seller is as different as any city, neighborhood or home. Managing dynamic markets, unique buyer and seller situations, individual wants and needs and navigating the rules and regulations of real estate is my duty to every client. 

Helping people develop the commitment, passion and hard work required to raise their personal standard of living and create meaningful life changes has provided me great experience. I have witnessed many personal transformations that led to improved relationships, new careers. 

Homebuyer was created with a mission to make homeownership more accessible and inclusive for every American. We strive to strengthen neighborhoods through a simple, fast, and better homebuying experience.

Mortgage rates, home prices, and the housing market as a whole are always fluctuating. For first-time buyers, it can be time-intensive to get all of the information needed and feel ready to start the home-buying process.

These mortgage facts and home buyer statistics will help you learn about home-buying and avoid first-time buyer mistakes.

Key Takeaways:

• Average monthly mortgage cost: $1,297
• Median monthly mortgage payment: $975
• Percent of U.S. adults that are homeowners: 65%
• Current U.S. mortgage debt: $10.04 trillion
• 2021 first-time home buyers: 31% of buyers
• Average credit score: Conventional (756), FHA (676), VA (720)
• In 2020, there were 2.38 million first-time home buyers. The most in history.
• A 15-year fixed-rate mortgage (FRM) offers a 25% lower interest rate than a 30-year FRM (September 24, 2021).
• 62% of Americans believe a 20% down payment is necessary, though most mortgage loans require less than 5% down payment.
• 13.4 million Americans were approved for a single-family mortgage in 2020 (a 112.6 percent increase from 2018).
• First-time home buyers make a median down payment of 7% on their home. Repeat home buyers make a median down payment of 16%.

A land loan – sometimes referred to as a lot loan – is used to finance the purchase of a plot of land. You can take out a land loan if you’re interested in buying a piece of land to build a home or to utilize for business purposes. The type you take out will depend on where you’re buying land and how you intend to use the land.

A land loan is sometimes confused with a construction loan, which is another type of loan often used by people looking to build a house. So, what’s the difference? Typically, if you want to buy land and start building on it right away, you’ll want a construction loan. These short-term loans are intended for prospective home builders who want to get started on their project right away and already have everything planned and ready to go.

Land or lot loans, on the other hand, are a better choice for future home builders who have a plan but may not want to jump right into building and financing a house immediately. If you have circumstances pushing your building project out a year or so (or you’re still getting your home plans together) a land loan is likely a better choice for you.

While mortgage companies usually don't offer land or construction loans, you can still qualify for a mortgage on a new construction house. They can also help you refinance an existing construction loan into a traditional mortgage after your new home is built, given the home is finished and you obtain a Certificate of Occupancy – whatever option works best for you.