Congratulations on your decision to buy a new home! There are many important things to consider throughout the process, especially if you're a first-time homebuyer. Here's some information that will keep you on track.

In General ...
A home purchase may be the largest financial transaction in your lifetime, so it's important to make the right decisions and to keep an eye on the details. With the assistance of your real estate agent and Loan Officer, it should be an efficient, pleasant, and ultimately rewarding experience.

Count on Your Real Estate Agent to:

1. Preview available homes that suit your needs as you've defined them.
2. Negotiate the best deal for you. Ask your loan officer for a pre-approval letter before submitting your offer. With a pre-approval letter from us in hand, your real estate agent will be able to demonstrate that you are a qualified and capable borrower. This may influence the seller, and may make the difference between the seller accepting your offer or someone else's.

Count on Your Loan Officer to:

1. Help you understand the loan process and all of your loan options.
2. Assist you in selecting a loan to meet your personal situation and goals.
3. Provide you with a pre-approval letter.
4. Keep you informed of your loan status throughout the entire process.

Make Sure You:

1. Keep your real estate agent informed of any questions or concerns as they develop.
2. Keep the process moving by providing documentation and decisions as soon as reasonably possible. By doing so, many of the details are taken care of early in the process so you can comfortably concentrate on any last-minute details or events that require your attention.
3. Remain objective throughout the proces to ensure you making the business decisions related to your real estate transaction.
4. Make sure you are pre-approved as early as possible. This will put the power of financing behind you so you can concentrate on selecting your home.