Whether you're buying for the first time or the tenth time, it's important to speak with a local lender prior to your search. Credit report errors, qualifying rule changes, closing costs and other areas of the loan process should be resolved as soon as possible. Pre-qualification will take the guess work out of how much you plan to spend and what your closing costs and down payment will be.
Being pre-qualified strengthens your negotiating position when you make an offer on a home. This gives the seller confidence that you have discussed your financial options and will be able to proceed with the transaction.
There are several things to keep in mind when evaluating homes. While you're looking, try to remain focused on the needs you discussed with us in the counseling session. Don't forget your basic needs. Keep the best three choices in mind, disregarding all others.
We will help you learn market value and help evaluate the condition of the home by pointing out possible repairs and maintenance items. In each home, we will discuss how your lifestyle will be complemented, taking into account school distance, house construction, age, yard space, and more.
You might find the right home in the first few you preview. Don't be afraid to make an offer. If you are clear in what you want, we will be looking only at houses that fit your needs.
As a consumer, information is everything. The following links are some of the best on the Internet and should give you a great deal of value.