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Home Buyer Resources

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Learning About Lenders & Getting Pre-approved

  • The first step in buying a home is getting pre-approved. You can only get pre-approved after you speak with a lender.
  • It is important to understand what Loan Options you have.
  • Your lender will go over the different options you qualify for, and help you understand your comfort purchase price.
  • Your lender will ask you about your job history, income, and run your credit.
  • There are many options, and if you do not qualify RIGHT NOW, they can set up a road map to help you get there.

Loan Options

  • Conventional | 3% minimum down payment and PMI (Private Mortgage Insurance) can be removed if applicable, down payments can be gifted from a family, or friend.
  • FHA | 3.5% down payment, PMI is for the life of the loan. Down payment can be gifted.
  • VA | Offered to Veterans at Zero Down, Can be used multiple times, seller can assist with closing costs.
  • USDA | Zero Down, area and home must be eligible, limits on the USDA size of the loans and is based upon size of household, and income
  • There are many other options, again reach out so I can help you find the right lender for your needs.

Finding Your New Home

  • Once we have your pre-approval (needed to write an offer on a home) we can start house shopping!
  • We will explore different homes, and neighborhoods until we find your match.
  • Write an offer.
    • Negotiate the offer
    • This is something I do for you
    • The offer has many important dates ; inspection, appraisal, & closing (to name a few)
    • I keep the process moving along, and everything on schedule
  • We will go over the offer together
  • It typically takes 30-45 days to buy your new home.
  • Most importantly I am here for you every step of the way.

Have Questions? Let’s Get Started!

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