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1. Pre-Approval - Why Get Pre-Approved?- With a pre-approval you will know what the appropriate price range is for your current situation. Knowing this information will also tell you what monthly payment you can expect to pay.
- Having a pre-approval will also give you an edge over other buyers making you more attractive to sellers. The sellers will know that you mean business.
- Having already gone through the pre-approval process will help make your loan application go that much smoother.
2. Finding Your Home- The biggest resource for someone looking to buy a home is a qualified Real Estate Agent. You need someone who is going to work for you and in your best interest. Best of all they collect their commission from the seller, not from you!
- When looking for the right Agent to work with you need to find someone who understands your needs and you feel comfortable with.
- If you don't know any Real Estate Agents, we can help place you with an Agent that we have personally worked with and trust. Click here for more information
3. Making an Offer and Signing a Purchase Agreement- Once you find the home your looking for the next step is to make your intial offer.
- With your Real Estate Agent, you will fill out a purchase agreement. On the purchase agreement you will find things like an offer amount, date you would like to take possession and things you want to have the seller leave in the house when they leave such as things like a refrigerator or a washer and dryer.
- You may find yourself in a counteroffer. That is when the seller of the property wishes to make changes to the purchase agreement. If you find yourself in this situation don't worry. This is where your Real Estate Agent will be able to help you negotiate for what you want.
4. Closing Your Loan- Now that you have a signed contract, it's time to work on getting your loan closed. We will collect a copy of the final purchase agreement, appraisal and credit report fee, updated financial statements, and insurance information.
- After we have collected this information we can lock you into an interest rate and order the appraisal for the property.
- Once we have all the required documents, your loan will be given its final approval and shipped to our closing department. The closing department will make up your final documents and soon after you will be ready to sign your final paperwork.
5. Moving Day!- Now that all your paperwork has been signed and all the funds have been disbursed it's time to pick up your keys and make your new home your own. Follow our moving guide and check out some of our helpful hints for moving.
Testimonial |
everything moved so quickly, everything was just wonderful! |
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Whitney P.
(Louisville, OH)
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