Whether you are buying your first home or your fiftieth, we are with you every step of the way.
“Kevin and his team made understanding my mortgage super easy. They were knowledgeable and helpful every step! – Chynna
Step 1: Determine your budget – take a good look at your income and expenses and determine your ideal monthly payment. Be sure to keep future life changes like changing jobs or marital status in mind when figuring what you can afford.
Step 2: Apply – applying for a mortgage with us doesn’t cost anything, nor does it handcuff you to a loan. You can apply online, by phone, or in person, and it’s relatively painless. Applying basically gets all of your basic information into the hands of our experienced mortgage team so we can start matching you with the best programs.
Step 3: Consult– this is one of the most important steps in the process, and one that is completely missed by many home shoppers. Meeting with our experienced team – whether in person, by phone, or by video conference – is key to making sure your home purchase is in sync with your long-term financial goals. We also offer early advice to help make your journey through the home buying process as smooth as possible.
Step 4: Get prequalified – This is like getting your ‘house hunting license.’ Prequalification means that you have met with us, we have reviewed your application, and you have our blessing to begin looking at homes. By the time we are done meeting with you, we usually either have you prequalified or have communicated specific steps for you to take to get you there. Game on!
Step 5: Shop for houses – Now for the fun part. With the wide variety of house-hunting tools available today, you and your real estate agent will narrow down your search until you find the home that’s the best fit for you.
Step 6: Accepted offer – You find a home you love, make an offer, and you and the seller agree upon the terms. Congratulations! The result is a signed purchase agreement, the contract that lays out the terms of the sale.
Step 7: Begin the mortgage process – Once you have a signed purchase agreement, we’ll want to consult with you as soon as possible. The mortgage process begins with the purchase agreement and ends with a closing.