Steps to Purchasing a Home
Step 1 Contact any one of our trained mortgage professionals. When you come in to meet with us, we will ask you to bring your most current 30 days' paystubs. You will also need to find the last two years of your form W-2. If you are self-employed you will most likely need to provide the past two years of your tax returns. From there, using your provided information at the time of application, we will tell you which mortgage products are available to you and how much you can spend.
Step 2 Contact a Real Estate Agent to assist you to look at homes. If you don't know a local realtor in your area we will gladly refer one to you.
Step 3 Begin looking at homes.
Step 4 Making offers: When you are in a position to make an offer on a home, we advise that you call us one final time to go over payment options and scenarios. Before you write that offer, we would like you to know the proposed payment and closing cost options.
Step 5 Once you are under contract, we will request to meet you again to exchange further paperwork to get your loan started with underwriting. This is the point in the process where we will be working closely with you to obtain a final mortgage commitment so you can purchase this home. During this process any additional items required by the lender to put you in a position to close will be requested of you.
Step 6 Closing: Typically the time when bulks of final documents are exchanged is a few days prior to closing. Before you buy this home, we will once again go over final figures that you can expect at closing such as final mortgage payment; interest rate; and closing costs. We will do everything we can to make sure you have all information needed before you get to your closing.
Step 7 At any time after your closing, if you have questions, please contact us. We will always be available to help you with anything in the future.