*disclaimer: Not all individuals will qualify for each loan type and/or scenario. Please contact me to see if you'd qualify for these loan products and/or discuss your options.
Whether you're a first time home buyer, or just want a refresher on the process of buying a home, here are a few steps to help you on your way to unlocking a new front door.
First, it's important to assess your current situation and budget effectively in order to prepare financially to purchase a home. This helps you to save money and prepare yourself for a new or updated expense in your life.
Next, find a real estate agent and mortgage loan officer that have your best interests in mind. If I'm that person you choose for your loan officer, THANK YOU! I'm excited to get to work and help you get into a new home. If you need help looking for a real estate agent, please let me know. I'm happy to set you up with people I've worked with in the past and trust to do a great job.
Once you find your real estate agent and mortgage loan officer, let's get you pre-approved. A pre-approval letter will help legitimize you as a potential buyer and make your offers more enticing to sellers.
Lets find a house you like and get the loan started. This is an exciting step to take in watching your dreams begin to take shape. Your real estate agent will help you to make an offer on the house, and I'm here to start the process of getting you the financing needed to make that house into a home.
Collecting information, paperwork, and locking in your interest rate come next. It's important to supply your loan officers with what is needed for your loan. Once the information needed is collected, it's crucial to lock in your rate. This rate can always be refinanced on, but locking into a rate will open up your loan to move forward.
Clear-to-close should get your heart racing with anticipation. This is the point where our underwriters give the borrower and their loan clearance to move ahead with the purchase of their home.
Lastly, let's get you closed and moved into your new home! If finding a house and starting your loan was exciting, just imagine closing day! This is the most exciting part of this process! Receiving those keys is the beginning of a new journey for you and your family.
Now is a great time to purchase a home, and it's important to act now before rates get higher. Please give me a call and lets start you on this journey to homeownership.
*disclaimer: Not all individuals will qualify for each loan type and/or scenario. Please contact me to see if you'd qualify for these loan products and/or discuss your options.
Brayden Ramsay NMLS #1997195
Momentum Loans NMLS #1606597
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