Prepare Your Finances – determine a mortgage payment you can afford by
reviewing your finalized comprehensive budget detailing your income and
– Get Prequalified – When you are prequalified/pre-approved for a mortgage, a lender has looked closely at your credit reports, your employment history and your income — and must then determine which loan programs you qualify for, the maximum amount you can borrow and the interest rates you will be offered
Housing Search – Our realtors will find a home in the area, price and
criteria of home you choose and schedule showings that compliment your
Write an Offer – Our realtors will work with you to prepare your offer for
the price you are comfortable with.
Home Inspection – A home inspection is a professional consulting service that determines the present condition of the home’s major systems, based on a visual inspection of accessible features. It focuses on the performance of the home, rather than cosmetic, code or design issues. View the form “For Your Protection Get a Home Inspection”.
Lender process and Underwriting – The most important person in the mortgage approval process is the person you will never see or meet. That person is the underwriter.
No lender funds or closes on a loan without the approval of an underwriter. Mortgage lenders use the underwriting process to determine whether applicants are likely to repay a debt.
Closing – The Title Company prepares your documents for your
signatures to sign for.
You’re a Homeowner, time to Move IN !!!