7 easy steps to buy a home

1. Talk to mortgage lender

2. Meet with your realtor

3. Search for your new home

4. Make an offer

5. Do an inspection

6. Follow all the instructions of

     your realtor and lender

7. Close

Celebrate!

                      

 

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How to get a mortgage

Why get an inspection?

When you contact your mortgage broker they will ask you for information like:

  • Tax returns

  • Social Security Number

  • Address

  • Bank Account/s Information 

  • Drivers License

They will get your credit history and if your credit scores are above 620 and your debt to credit percentage is acceptable you have a good chance of being qualified.  Keep in mind that there are many special situations so please reach out to your agent. 

ASL Accesible lender list
  • A home inspection is an intensive visual, non-invasive examination of the condition of a home done by a licensed professional.

  • Gives a list of everything the house needs, whether it is structural or related to safety.

  • It also gives you a list of maintenance, non-urgent "Honey-Do" items to take care of after you buy the house.

  • It can save you money. 

  • It can give you peace of mind.

Be informed, this you need to know.

Buying a home is a big financial investment – perhaps the biggest one you'll make in your life. Be sure to ask your agent any questions you may have, answer their questions and follow their guidance. Realtors are licensed professionals tasked to work on behalf of YOUR best interest.

These are some good things to keep in mind.

  • Have reliable income, good credit, and documentation to verify your savings.

  • Can afford at least a 3% down payment and related closing costs. (ask your realtor about these costs)

  • Want a chance to build equity and be eligible for homeowner tax breaks and credits.

  • Have the time and money required for home maintenance and improvement projects.

  • Have an adequate cash reserve to withstand a loss of job, illness, or other financial setback.

  • Are planning on staying in your home for at least five years.

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