Home Loan Purchase

Is it finally time to buy that first home or have you outgrown your current home? Well, now is a great time to get pre-qualified for a new home loan. Our mortgage company specializes in both first time home buyer programs as well as seasoned home buyer programs. Many of our programs require little or no money down and can even help if you have less than perfect credit.

Your first step is to get pre-qualified. By being pre-qualified for a new home loan, we can tell you how much of a home you can afford and what your payment will be. You will also be taken more seriously by sellers and real estate agents alike. The pre-qualification process with our mortgage company is very simple With the information you provide to us, we will have you out looking for that dream home before you know it.

Once you are pre-qualified for a loan, it is time to decide how you want to shop for your home. You can either use a Realtor or find houses for sale via the internet and the newspaper. Although you may save some money by not using a Realtor, a realtor will save you a lot of time and hassle in finding a home and closing the sale. If you decide to use a Realtor, use someone who you feel comfortable with and someone who listens to what you want. A good way to find a Realtor is to asked friends who they would recommend. At this point it is time to find the house!

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Do not rush into buying a house and do not feel pressured. For many this is the largest purchase they will ever make and you want to make sure you can live with your decision. So, if someone has a hot deal that needs to have an answer tomorrow, and you are not sure, take the time you need to be sure. Either the deal will still be there when you have made your decision or you can always continue looking. There are plenty of other houses out there!

Now that you have found the home of your dreams, what's next? Next you will submit a Purchase and Sale Agreement and put up an escrow deposit usually ranging from $500 to $5000. In the Purchase and Sale Agreement you will set terms of the Sale including the Sales Price and the Closing Date. At this point it is up to the seller to accept your offer.