Real Estate

Preparation is the most important step in the home buying process. Are you ready to purchase a home? Consider the advantages and disadvantages of purchasing a home. Assess your readiness. Go over your budget, or create one if you don’t have one. Determine how much you can afford to pay monthly.

After you prepare, contact a mortgage lender to see what you qualify for. Have readily available your gross household income, a list of your monthly debt payments, and how much cash you have to contribute toward your home purchase. It is extremely important to have accurate information so that you know which programs you are eligible for and what purchase price you can qualify for.

After you have researched available homes in your price range, and you have decided to move forward with the process, then you need to get pre-approved. This means that you need to submit a full loan application, and have your credit run. You will receive an approval with conditions.

Once you receive a conditional approval, you can work with us to find a home to purchase. If you find a home you would like to purchase, we will help you submit an offer. After your offer is accepted, we will work with you to let you know what we need to continue processing the loan for final approval.