Home
Buyer's Checklist
- Here are 8 steps to help you through the home buying process.
Step 1: Determine
How Much House You Can Afford
Use our mortgage calculator to determine what size house matches
the monthly amount that you can afford
Step 2: Find a Lender
& Get Pre Approved
Look no further! We work with lendors across the bay area and
will find you the lowest rates and the best options. Pre-Approval
is a written statement from your lender that you have been approved
for a specified amount. This will expedite the loan process.
Step 3: Start Looking
For a House
Now that you've determined how much you can afford, use this
site and make a list of properties that you like. We will accompany
you to tour these homes at your convenience
Step 4: Order and
Verify Your Credit Reports.
It could mean the difference between getting approved and getting
denied. To check for accuracy, order a copy of your credit report
from each of the major credit bureaus.
Step 5: Organize
Paperwork
Your lender will need to reference some important documents.
These will include: W-2 forms and federal tax returns for the
past 2 years, year-to-date pay stubs, documentation of additional
income, investment records, debt/creditor records and cancelled
mortgage/rent checks.
Step 6: Determine
Which Type of Mortgage Works Best For You
We will consult with you about different options including 15
and 30 year mortgages.
Step 7: Order an
Appraisal and an Inspection
We have certified appraisals on staff that will assist you in
this process.
Step 8: Closing Time
Once this is over, you'll be moving into your new home. Congratulations!
