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Before you start looking for a home to buy, it’s a good idea to meet with your loan originator to get pre-approved for a loan amount. At this stage, the lender gathers information about income, assets, and debts of the borrower (you) to determine how much house you may be able to afford. This includes a credit report, W-2 forms, pay stubs, Federal Tax Returns, and recent bank statements. There are a variety of different loan programs, so make sure to get pre-qualification for the specific programs that best suit your needs.
When you find a home you love, your agent will help you submit an offer. We are skilled negotiators that know how to get you the best price and value possible. Once an offer has been accepted we'll help you navigate through inspections, appraisals, and closing in a stress free way. You can rest assured that your agent is always acting in your best interest with a dedicated buyers agreement in place.
Then it's time to get the keys, throw a housewarming party, and make lasting memories in your new home. We're so happy that you trusted us to help you through this exciting process.
Don’t be surprised if you’re asked for additional documentation or clarification throughout the process. Once your loan is approved, don’t forget to set up homeowners insurance. Your documents will be sent to the title company, where you’ll sign for the new home and pay any remaining costs. Then the loan is recorded and you get the keys. Congratulations, happy homeowner!