7-Step Home Buying Guide

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The Lowdown on the 7-Step Home Buying Guide…

7 Step Home Buying Guide Leadpops

1. Find and select a reputable mortgage company and get pre-qualified for a mortgage loan.

The only way to truly know how much home you can afford is to ask a reputable mortgage professional. Getting pre-qualified lets you know how much you can afford before shopping for your home. Knowing your buying power is in your best interest!

Follow the steps below to ensure a smooth and hassle-free process:

– Complete online mortgage application
– Speak with a licensed mortgage professional
– Provide mortgage company with all required documents
– Understand and follow the do’s and don’ts
– Check your credit score with mortgage professional
– Determine loan programs available to you and down payment options
– Get to know interest rates & ensure your mortgage professional is providing you a best-in-market rate
– Estimate your mortgage costs


2. Find and select a reputable Realtor®:

– Provide your Realtor® with a copy of your pre-qualification letter from mortgage company
– Start shopping and choose a home
– Make an offer on your dream home
– Receive an accepted offer from seller with a fully executed purchase contract


3. Get mortgage loan approval for a specific home:

– Provide mortgage company with a complete copy of the fully executed purchase contract to include all addendums
– Mortgage company will order Title policy


4. Get your home inspection and appraisal.


5. Submit all final documents mortgage company requires to review and issue a clear-to-close.


6. Receive your “clear-to-close” from mortgage company and schedule your closing date.


7. Close on your new home and receive your keys.


Congratulations! You’re a Homeowner!

Why Should I Buy?

Buy and begin building equity in your own home. Rates are at an all-time low, and we are confident there is a mortgage program that is perfect for you. The benefits are endless!

You can’t build equity in an apartment or rental property, but by owning your home you can!

Your rent payment is not tax deductible. By being a homeowner, the interest portion of your mortgage payment could be tax deductible.

Your rent usually increases when your lease is renewed, but with a fixed-rate mortgage, the principle & interest payments never go up.

In addition to deducting mortgage interest, you may also be eligible to deduct costs paid at closing. As part of owning a home versus renting, you may be eligible for tax credits for improvements and other tax incentives. *Please consult your tax advisor.


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