Buying a Home

I have decided to look for a home to buy, what do I do now?

Securing loan pre-approval is the best way to determine the price range you want to look

Buying a home can be intimidating, stressful and confusing, but it is an exciting time in your life. To help you through the process of buying a home, think of it as a team process.

The team is led by you and your teammates will be your real estate agent, your loan officer, and your attorney.

The important thing to remember is that the team works for your best interests so you need to choose a team you can work with to pursue your goal of purchasing your dream home. How do you choose that team? Referrals are a good place to start, ask your family, friends and co-workers for professionals they would recommend. You will want a team that is experienced and is easy to communicate with. You want teammates that will listen to what you want and give you clear advice in order for you to make informed decisions. You will want to interview your team, ask questions about their expertise, their availability to answer your questions, and generally feel comfortable working with them.

Talk to a loan officer first

Before you go driving all around the countryside looking for your dream home you will want to discuss with your loan officer what price you can afford and the size of the loan you can afford. Typically a loan officer can get you a pre-approval letter which spells out what you qualify for in terms of price and loan amount. It is important to remember that a pre-approval is not a loan commitment, the pre-approval is just stating that based on your income and credit that is what you qualify for but the lender has not verified all the information you have given them, which happens when you submit a complete application.

With pre-approval in hand then you can discuss with your agent what price range you want to look at, along with the towns and type of houses you like. Refining your search will make it easier on you and your agent to find the home you can be happy with. 


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