Buying Process

Your total mortgage should be no more than 28% of your gross monthly income. You can find this by multiplying your income by 28, then dividing that by 100. 

For a pre-approval, your lender will need   W-2 statements, paystubs, bank statements, and to run a credit check. 

We will tour homes in your price range based on the criteria you choose to look for. 

 We will assist you in writing an offer on the right home.  We may need to negotiate this offer with the sellers until accepted.  

You'll have a certain number of days to complete all inspections after your offer has been accepted.

A home warranty can be purchased to cover repairs and replacements on systems and appliances in your home, usually for a period of a year.  

Homeowners insurance provides you with financial protection in the event of a disaster or accident involving your home.

An appraisal is an estimate of the value of a property. Although the primary goal is to justify the lender's investment, the appraisal can also protect you from overpaying. 

A title search will be conducted for any problems that might prevent you from a clear title to the home.       

After the lender approves your loan, you will get a commitment letter that stipulates the loan term and terms to the mortgage agreement.

buyer and seller will receive a settlement statement summarizing their costs and any payouts.

 Sign closing documents.  Congratulations you're a homeowner!!