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Go!Buying a Home
Buying a home is a big step. There are many things to consider. We want to provide you with the resources necessary to make an informed decision when you purchase a home. The links above will help guide you through the home buying process. Take it step by step and see how good it feels when those steps lead to your new home.
Get Prepared
The first step in buying a house is determining how much you can afford. Knowing how much you can afford to pay in mortgage payments will help determine which homes are in your price range. Generally, your fixed expenses (mortgage payment, insurance and property taxes, but not maintenance and repairs) should not be more than 28 percent of your gross monthly income...
Find and Purchase a Home
Before you begin looking at houses, it's a good idea to find a licensed real estate agent to assist in your search. Real estate agents can be a great source of information when buying a home. In addition to letting you know which homes are for sale, they can also answer questions about your sales contract, offers and counter-offers, acceptance and earnest money requirements, and closing on your home. Of course, should you choose not to work with an agent, we'll be here to help in every way we can...
Secure Your Financing
After you find the right house, it's time to secure financing. This step will be much easier and faster if you've pre-applied...
Closing
Once we have received your application, discussed our documentation needs and agreed on a loan that fits your situation, we will start the process of getting your loan approved. Upon receipt of the documentation that we discussed during our initial contact, we will contact you with a loan response (typically within three to five days)...
Moving
Congratulations, you're a homeowner. Moving into a new home brings many responsibilities, including paying all the bills and maintaining the condition of your home...
