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    How To Buy A Home

    So you’ve decided you want to buy a home? Check out the image below to learn where to start and what’s next!

    10 Steps To Buying a Home!

    1. Save Your Down Payment

    Many people believe you need a 20% down payment to buy a home. There are loans available that allow buyers to put down as little as 3% or even 0% with a VA or USDA Loan.

    2. Know Your Credit Score

    Your credit score is a numerical representation of your history and ability to pay back debts in the past. Different home loans have different credit requirements.

    3. Find a Real Estate Agent

    Once you have a handle on your credit score & down payment savings contact a local agent. Your agent will help you through the process of buying your first home.

    4. Get Pre-Approved

    Your agent will have a list of lenders that you can work with to get pre-approved for your mortgage. This will help keep you on budget during the next step.

    5. Go Home Shopping!

    Make a list of what you want vs. what you need in your new home. Your agent will use this list to find homes for you to purchase

    6. Make An Offer

    Your agent will help you determine the best price to offer for the home. In a competitive market you may not be the only one bidding and will want to stand out.

    7. Get a Home Inspection

    Once your offer is accepted, you will want to do a home inspection to ensure there are not any hidden issues with the home.

    8. Get a Home Appraisal

    Your lender will arrange for a home appraisal to ensure that the property is worth the price that you have agreed to pay for it. 

    9. Close The Sale

    Once your loan is approved, your lender will schedule a closing date. This is the day you sign all your paperwork to complete the purchase and get the keys to your new home!

    10. Move In!

    Congratulations! You are now a homeowner!

     

    Our Trusted Lenders

    Great Rates & Low Fees!

    Randy Raven
    Supreme Lending
    Cell: 608-513-0327
    Office: 608-841-2000 ext 2001
    Email: randy.raven@supremelending.com
    NMLS # 844360
    Apply: www.randy-raven.supremelendinglo.com

    Aaron Longley
    Mutual of Omaha
    Cell: 608-239-7300
    Office: 608-240-9401
    Email: alongley@mutualmortgage.com
    NMLS# 243213
    Apply: www.loanofficer.mutualmortgage.com/aaronlongley

    Jurga Jokimciute
    Fairway Mortgage
    Cell: 608-358-9954
    Office: 608-318-1904
    Email: jurgaj@fairwaymc.com
    NMLS# 631926
    Apply: www.loansbyjurga.com

    Jurga Jokimciute
    Fairway Mortgage
    Cell: 608-358-9954
    Office: 608-318-1904
    Email: jurgaj@fairwaymc.com
    NMLS# 631926
    Apply: www.loansbyjurga.com

    Patrick Simon
    Zillow Home Loans
    Direct: 949-842-5969
    Office: 206-757-4716
    Email: patricksi@zillowhomeloans.com
    NMLS# 1080950

    Joshua Bittner
    Easy Mortgage, Inc.
    Cell: 414-254-7001
    Office: 608-833-3800 x28
    Email: joshuabittner@tds.net
    NMLS# 287622
    Apply: www.easymortgagecompany.com