Home Buyer Guide
Before you plan on buying a home, the first thing you need to do is make sure you can qualify for a loan and determine how much money you will need to pay out of pocket.
Most of our clients start out by going to their local neighborhood banker to discuss buying a home. A loan officer will discuss your needs, pull your credit and advise you of how much home you may qualify for as well as how much out of pocket expenses you should expect to incur. Once you receive a pre-approval letter, our agents can meet with you to review the letter, discuss your concerns and requirements and advise you on any down payment assistance programs and available properties for sale. Our agents can also refer you to alternative lender’s to contact to weigh your options and decide what is the best financial situation for you. It is always advisable to get more than one pre-approval as the difference in interest rates among lenders and programs can mean a major savings to the end borrower.