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From Here To HomeOwner
A Road Map To Help You Plan
This blog series was designed as a guide to help you navigate your journey towards owning a home.
Everyone's process is different. Yours could take a short time or a long time, depending on your goals, constraints, personal style, and local market conditions.
Having a plan will help you achieve your goals, even if you don't end up following it exactly.
Here are the nine milestones of this plan...
|1||If you haven't already, check your credit right away. This gives you more time to correct errors or strengthen your scores.|
|2||Decide how much you want to spend on a home. Only you can determine how much you can afford to pay each month and upfront for your downpayment and closing costs.|
|3||Discover your mortgage options. Mortgages are complex, and there are lots of possibilities. Explore loan terms, types and interest rate types, talk to lenders, and ask questions.|
|4||Get a pre-qualification or pre-approval letter. A pre-approval letter helps you show sellers that you are a serious buyer - but it doesn't commit you to a lender. Learn more here.|
|5||Find the right home and make an offer. Your first offer may not be accepted by the seller. That's ok. Keep looking until you find your home.|
|6||Compare loan offers. Get Loan Estimates from at least three different Lenders and compare them to find the best deal.|
|7||Choose the loan offer that's right for you. Let your Lender know you are ready to proceed. Submit your documents and get ready to close.|
|8||Shop for your closing services. Your Loan Estimate has a section called "Services you can shop for". Shopping around for these services can save you money.|
|9||Close on your new home. Review your closing documents in advance to make sure there are no errors and everything matches your expectations.|
To be a more manageable process, we've grouped these 9 milestones into 4 phases:
|Preparing To Shop For Your Mortgage||Exploring Loan Choices||Comparing Loan Offers||Closing On Your New Home|
|At Regional Realty, we are pledged to the letter and spirit of U.S. policy for the achievement of equal housing opportunity throughout the Nation. We encourage and support an affirmative advertising and marketing program in which there are no barriers to obtaining housing because of race, color, religion, sex, handicap, familial status, or national origin|
|Featured properties may not be listed by the office/agent presenting this brochure. Information has not been verified, is not guaranteed and is subject to change. The data relating to real estate for sale on this report comes in part from the Internet Data Exchange program of Northern Kentucky MLS.|
|Consumer Financial Protection Bureau information was relied upon heavily for the content of this blog post. Where applicable credit is hereby given to the CFPB for the reference to their content.|
Terry is the Principal Broker at Regional Realty. He is a motivated Realtor specializing with investors and new home buyers located in the following areas; Alexandria, Ft. Thomas, Ft. Mitchell, Indepe....