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.

In General....

Since a home purchase is often one of your largest financial transactions, we encourage you to make decisions that are right for you and 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.

Your Real Estate Agent will:

1. Preview available homes to weed out those that are overpriced or undesirable.
2. Present the homes that suit your needs as you've defined them.
3. Help you determine the difference between a good buy and a property which, because of its nature (neighborhood, market appeal, etc.), might have to be discounted if you decide to sell in the future.
4. Help negotiate the best deal for you. 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 strongly influence the seller, and may make the difference between the seller accepting your offer or someone else's -- sometimes even if your offer is lower!

Your Loan Officer will:

1. Assist you in selecting the best loan to meet your personal situation and goals.
2. Keep you informed of your loan status throughout the entire process.
3. Keep your Real Estate Agent informed of the loan progress (Note: your personal information is always kept confidential; only deal points and progress are shared).
4. Get the appropriate loan for you with the best possible rate and the lowest possible fees. This will save you significant money up front and throughout the years to come.

You will want to be sure to: 

1. Enjoy purchasing your home, but do remain objective throughout -- to make the business decisions that are best for you.
2. If you are considering purchasing for the first time, be sure to visit our First-Time Buyer page where you will find a link that will allow you to review Freddie Mac's Online Guide to the Homebuying Process.  You can also take Freddie Mac's Homeowner Readiness Check Online Course and download and review the Home Buyer's Handbook.
3. Review the information on our Mortgage FAQs page and The Mortgage Loan Process page so you'll know what to expect during the purchase process.
4. Keep your Loan Officer and Real Estate Agent informed of any questions or concerns as they arise.
5. Keep the process moving by providing documentation and decisions to your Loan Officer 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.
6. Make sure you are pre-approved as soon as you feel you are within 90 days of making a purchase.  Getting pre-approved will put the power of financing behind you so you can concentrate on selecting your home.
7. Notify your Loan Officer of any changes to employment or credit as soon as possible and be sure not to take on any new financial obligations/credit during the purchase process.

**The information contained on this page does not constitute and should not be construed as an offer to extend credit.  Eligibility for any available mortgage programs can only be determined once a completed application has been submitted and a review of each applicant's credit score, credit history and overall creditworthiness has been completed.**