Buy a home with confidence!

Review your credit report and credit score. Ensure there are no errors and take steps to improve your credit if needed, such as paying off debts and making payments on time.

Assess your financial situation and determine how much you can afford to borrow for a mortgage. Consider your income, expenses, down payment amount, and other financial obligations.

Shop around and compare mortgage lenders to find the best terms and interest rates. Consider different types of mortgages, such as fixed-rate or adjustable-rate, and decide which option best suits your needs.

Contact your chosen lender to get pre-approved for a mortgage. Provide necessary financial documentation such as income verification, bank statements, and tax returns. Once you receive that pre-approval letter, then you can confidently start shopping for your new home!  It also shows sellers you are a serious buyer!

This is probably the most fun part! Shopping for homes with a pre-approval gives you the upper hand in real estate.  That's because if you fall in love with a home, then you already have that pre-approval in your hands to make an offer right away!  We will guide you through this process to ensure you are confident with your choice and prepared to move forward with a purchase. 

Once you are under contract with a new home, the lender will order an appraisal of the property to assess its value. Additionally, your application will go through an underwriting process where the lender reviews your financial information and the property's details. This time is very critical, so don't do any big spending until after you close on your home!

The lender will provide you with a loan estimate, which includes important details about the loan, such as interest rate, closing costs, and monthly payments. Review the estimate carefully and ask questions if anything is unclear. This is super important to ensure there are no surprises on closing day!

Once your mortgage is fully approved, you'll enter the closing process. This involves signing the final loan documents, paying closing costs, and transferring ownership of the property. As your REALTORS, we will ensure all parties have done their part within each specified timeline, and will be beside you as you receive the keys to your new home upon completion!