homebuying 101
Your Homebuying Journey
A simple, step-by-step guide to help you navigate every stage of the homebuying process with confidence.
Pick Your Loan Officer
Your loan officer will provide clear guidance, answer your questions, and help you compare programs so you can make informed decisions. Once you’re ready, they’ll help you start your loan application.
Submit Your Application
Gather your bank statements, W2s, paystubs, and employment history so your information can be reviewed quickly. Then complete your application using your loan officer’s apply link.
Get Pre-Qualified for your mortgage
After your loan officer verifies your creditworthiness based on your application, they will issue a pre-qualification. This is a written commitment from the lender to offer you a mortgage for a specific amount and time.
Find Your Realtor
Now that you have your pre-approval and a clear sense of your budget, a real estate agent can guide you in finding the right home, negotiating a strong purchase offer, and managing the details of the transaction.
Start House Hunting
Find the home that’s perfect for you. Explore listings, visit properties, and discover the place you’ll love to call home.
Start the Loan Process
With your lender, real estate agent, pre-approval, and dream home in place, it’s time to complete your loan application. Your loan officer will guide you on any additional information needed to submit it.
Make Your Written Offer
Work with your realtor to submit a written offer. Your realtor will negotiate on your behalf with the seller to help get your offer accepted.
Get a Home Inspection
Inspections reveal a home’s condition and can aid negotiations. Any seller repairs or agreements must be in writing, or they aren’t guaranteed.
Closing
Set your closing date, time, and location. You will sign and finalize your paperwork to complete the mortgage process. Once complete, get your keys and start enjoying your new home!
Enjoy.
Pick Your Loan Officer
Your loan officer will provide clear guidance, answer your questions, and help you compare programs so you can make informed decisions. Once you’re ready, they’ll help you start your loan application.
Submit Your Application
Gather your bank statements, W2s, paystubs, and employment history so your information can be reviewed quickly. Then complete your application using your loan officer’s apply link.
Get Pre-Qualified for your mortgage
After your loan officer verifies your creditworthiness based on your application, they will issue a pre-qualification. This is a written commitment from the lender to offer you a mortgage for a specific amount and time.
Find Your Realtor
Now that you have your pre-approval and a clear sense of your budget, a real estate agent can guide you in finding the right home, negotiating a strong purchase offer, and managing the details of the transaction.
Start House Hunting
Find the home that’s perfect for you. Explore listings, visit properties, and discover the place you’ll love to call home.
Start the Loan Process
With your lender, real estate agent, pre-approval, and dream home in place, it’s time to complete your loan application. Your loan officer will guide you on any additional information needed to submit it.
Make Your Written Offer
Work with your realtor to submit a written offer. Your realtor will negotiate on your behalf with the seller to help get your offer accepted.
Get a Home Inspection
Inspections reveal a home’s condition and can aid negotiations. Any seller repairs or agreements must be in writing, or they aren’t guaranteed.
Closing
Set your closing date, time, and location. You will sign and finalize your paperwork to complete the mortgage process. Once complete, get your keys and start enjoying your new home!