The Home Buying Process

Determine What You Can Afford

Figure out how much you can afford.

What you can afford depends on your income, credit rating, current monthly expenses, down payment and the interest rate. Providing the information below will allow you to calculate how much you can afford to spend on a home. However, many additional factors play a part in the loan qualification process.

Why get pre-approved?

A pre-approval lets you know how much home you can afford, and lets the seller know that your financing is in process with a lender. This will minimize anxiety and stress on both sides of the negotiation. Note: A letter from a lender as part of the pre-approval process says that the borrower’s credit, bank references and employment have been verified. The letter is not binding on the lender because it is subject to other conditions such as an appraisal of the property.

Find the right loan for you

Part of our personal touch is to make sure your loan program is right for your current financial situation. Whether you are a first time home buyer or seasoned investor, we want to make sure you are comfortable with the payment and program we offer you. To find the right loan contact us.

When should you talk to a mortgage professional?

Consider this information when deciding whether to use a mortgage professional for your next home or refinance.

Shopping for a home?

If you currently are not working with a realtor, our loan officers can give you a referral list of Realtors in your area.

Use the wish list to make sure your realtor knows exactly what you are looking for. You can also use the Home Buyer Checklist to compare different properties. It can be hard to remember which property has what after awhile. Use this while shopping online too.

Home Inspections

Here is some information we hope will be valuable to you. We highly recommend a home inspection for any property you have put an offer on.

Buying a home is one of the most important purchases you will make in your lifetime, so you should be sure that the home you want to buy is in good condition. A home inspection is an evaluation of a home’s condition by a trained expert. During a home inspection, a qualified inspector takes an in-depth and impartial look at the property you plan to buy.

The inspector will:

  • Evaluate the physical condition: the structure, construction and mechanical systems.
  • Identify items that should be repaired or replaced.
  • Estimate the remaining useful life of the major systems (such as electrical, plumbing, heating, air conditioning), equipment, structure and finishes.
  • The home inspector does not estimate the value of the home. Here are 10 questions you should ask a home inspector.

Homeowner’s Insurance

Homeowner’s insurance is required before you close your loan. If you need an agent, our loan officers may be able to refer you to one in your area.

Closing

Each closing is unique and procedures can vary from state to state. Please make sure you have read all documents prior to your closing. For more information please read our Frequently Asked Questions section.

What people are saying


" Thank you once again for helping me. As I said in my feedback, you 'saved my life' and my house years ago. Since then your staff has continued your helpful and professional attitude. You make it easy."

— Elizabeth F.

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