Buying a home

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There are many steps to the home buying process and sometimes it can be confusing, stressful, and intimidating. The step-by-step process below will help reduce that stress and frustration, and provide you a more positive home buying experience.

Step 1: How Do I Get Started?

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First, ask yourself what your monthly payment is going to be. Use the calculator provided on the right side to get an estimate on your monthly payment costs.

Second, ask yourself if you are in the position to buy a home. Do I have enough for a down payment? Do I qualify for a zero down payment purchase? Different loan programs have different qualifications. Click here to learn about the different loan options you have available to you.

Step 2: Get Pre-qualified

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The pre-qualification process allows you – and the prospective seller – to know you are qualified to finance a certain amount of money, even though you haven’t yet found the actual hom you’d like to purchase. In a nutshell, pre-qualification lets home sellers know that you are serious. Plus your pre-qualification letter can be used as a bargaining chip.

The pre-qualification process is quite simple. It is a brief analysis of your financial situation to determine how much home you can comfortably finance. Click HERE to get Pre-Qualified.

Step 3: Pick a Trusted Realtor and Go Look

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Your Realtor will narrow down homes that suit your style and tastes, as well as show you homes in and around your price range.

Step 4: Apply for a loan

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Your mortgage professional will help guide you through the loan process. In many instances this can take place in as little as 30 days.

Apply today and start thinking about tomorrow!

For your convenience pay for your appraisal online HERE

Step 5: Start your move

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There are many great guides out there to help you move. Here are a few to help you get started.

Countdown to Moving Day!

Moving Checklist

Room By Room Buying Checklist

 

Want to learn more?

If you want to learn more about the mortgage process in an easy and fun way, check out our YouTube channel. We have quick, 2-minute informational videos to go through all parts of the loan process. Click here to check them out.