Whether you're buying your first home, your dream home, or your 10th investment property, yours will be a big investment. We know how important this is to you, and we have an army of experts to make sure we find the perfect property for your unique circumstances. We know the market and love real estate, and we'll educate you throughout the buying experience.
Finding the perfect property is just one way we can help you with your real estate purchase. As real estate agents, we have ongoing access to experts in every related field from lending to relocation.
When buying a home, start by making a wish list and setting a budget. We can help you choose a lender to get you pre-approved for a loan, and then you're ready to start house hunting. Search for your dream home on our website from any device. You can even compare walk scores, school ratings, and neighborhood demographics for different listings.
If you haven't experienced it before, the home loan process can feel overwhelming, but our agents will help you stay informed throughout the process; from pre-approval to closing. The first thing to do is consult with a mortgage specialist (or two). If you don't already have someone in mind, we partner with some of the best lenders in the industry. We'd be happy you introduce you so we know you'll be taken care of.
Before you start looking for a home to buy, it's a good idea to meet with your Loan Officer to get pre-approved for a loan amount. At this stage, the lender gathers information about your income, assets, and debts of the borrower (you) to determine how much house you may be able to afford. This includes a credit report, W-2 forms, pay stubs, Federal Tax Returns, and recent bank statements. There are a variety of different loan programs, so make sure to get pre-qualification for the specific programs that best suit your needs.
When you find a property you're ready to purchase, your lender will help you complete a full mortgage loan application and talk you through the various fees and down payment options. The application is submitted to processing, where the documents are reviewed and appraisals and title examinations are ordered. Then the loan is sent to the underwriter, who reviews and approves the entire loan if it meets compliance.
Don't be surprised if you're asked for additional documentation or clarification throughout the process. Once your loan is approved, don't forget to set up homeowners insurance. Your documents will be sent to the title company, where you'll sign for the new home and pay any remaining costs. Then, the loan is recorded and you get the keys! Congratulations, happy homeowner!