Home Purchase Basic's

Congratulations on your decision to buy a new home!

There  are many important things to consider throughout the process,  especially if you're a first-time homebuyer. Here's some information  that will keep you on track. 

Count On Your Real Estate Agent To:


1. Preview available homes to weed out those that are overpriced, or undesirable in some other way.                 

2. Present the homes that suit your needs as you've defined them.                 

3.  Help you determine the difference between a "good buy" and a property  which, because of its nature (neighborhood, market appeal, etc.), might  have to be discounted if you decide to sell in the future.                  

4.  Negotiate the best deal for you. With a Pre-Qualification letter from us  in hand, your Real Estate Agent will be able to demonstrate that you  are a qualified and capable borrower. This will strongly influence the  Seller, and may make the difference between the Seller accepting your  offer or someone else's -- 

even if your offer is lower!                      

Count On Your Mortgage Company and Loan Originator To:  

1.  Assist you in selecting the best loan to meet your personal situation  and goals. (This single decision can save you thousands of dollars  throughout the years!)                 

2. Keep you informed of your loan status throughout the entire process.                 

3.  Keep your Real Estate Agent informed of our loan progress (Note: your  personal information is always kept confidential between you and us;  only deal points and progress are shared).                 

4.  Get the appropriate loan for you at the best rates and fees. This will  save you significant money "up front" and throughout the years to come.                   

Count On Yourself To: 

1. Keep your Real Estate Agent informed of any questions or concerns as they develop.                 

2.  Keep the process moving by providing documentation and decisions as  soon as reasonably possible. By doing so, many of the details are taken  care of early in the process so you can comfortably concentrate on any  last-minute details or events that require your attention.                  

3.  Enjoy purchasing your home, but do remain objective throughout -- to  make the business decisions that are best for you.                 

4.  Make sure you are pre-approved as early as possible. This will put the  power of financing behind you so you can concentrate on selecting your  home

Learn More

A home purchase may be your largest financial transaction to date, so  it's important to make the right decisions and to keep an eye on the  details. With the assistance of your Real Estate Agent and Loan Officer,  it should be an efficient, pleasant, and ultimately rewarding  experience.