Your credit is crucial when applying for a loan; the better your score, the lower your interest rates will be. Be sure to check all three major credit reporting companies; Experian, Equifax, and Transunion as the information in each report may vary slightly. Make sure you make copies of your credit report as well, and check your score well in advance of applying for a loan.
Find a Lender
Most people need to take out a loan when buying a home, and you'll want to be prepared to make an offer when you find that perfect home. It's important to be sure that you're approved for a loan before you start looking at homes so you don't miss out on any opportunities. If you need help finding a lender, I can recommend trusted lenders near you.
We strongly recommend that you choose your lender with due diligence. The right mortgage broker can save you hundreds of dollars by his experience and knowledge. We believe that Branden Hansen at Cherry Creek Mortgage Company is the best. Check out our section on "PREFERRED LENDER".
When you get pre-qualified for a mortgage loan, your lender will determine the amount you qualify for. Calculate what's realistic for you before considering different areas to live in to be sure purchase stays within your approved loan amount. Once you know your loan value, you can get serious about mapping out a program to find your dream home. I can help you make the most out of your money.
Finding the right home can be time consuming, but it's important to consider everything before you decide. What's the commute like to work? If you have kids, what are the schools like in the area? How many beds and bathrooms will you need? Do you prefer newer or older styled homes? All are important factors to take into account during the home finding process.
I am dedicated to helping you through the entire home buying process. Once we find that perfect home, I will prepare a written offer. With my experience in the market, I can help you arrive at an offer that both fits your budget and that has the best chance of being accepted.
Once Your Offer is Accepted
After your offer is accepted, you'll have a grace period to have the house professionally inspected and requested repairs or counter offer if the situation arises. Once this step is complete, we will verify the terms and conditions of your loan, and assist you in signing your papers. I'm here to assist you with any questions you may have during the process.
Now that you've found your perfect home it's time to make moving arrangements. If you plan on utilizing a professional moving company, I can recommend reputable, local movers. Don't forget to fill out your change of address forms and inform the utility companies of your move.
Don't leave this site without reviewing the section titled: PREFERED BUYER PROGRAM. It is filled with valuable information for Buyers.
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