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Buy a Home

More Than a Key – It’s Your Path Forward

Owning a home isn’t just about having a place to live – it’s about building your future. Whether you’re a first-time buyer or looking for your next home, we’re here to make the process simple and stress-free.

Benefits of Owning a Home

Appreciation

Your home can grow in value over time, building your personal wealth.

Ownership

Paying down your mortgage means gaining more equity with every payment.

Equity

Build equity that you can use for future needs, from renovations to retirement.

 

Stability

A fixed-rate mortgage keeps your payments predictable and steady.

 

Deductions

Mortgage interest and property taxes may be tax deductible. Consult your tax advisor for details.

 

Freedom

Make your home truly yours – decorate, renovate, and customize your space to fit your lifestyle.

 

Step-by-step homebuying process

We guide you through every step so the process of buying a home isn’t a difficult one. We educate you on where you are and what the next step is, answering every question along the way.
1. Meet with your loan officer

Connect with one of our experienced loan officers to get pre-approved. This will give you a clear idea of how much you can borrow and show sellers you’re a serious and qualified buyer.

2. Find a home

Start shopping for homes within your budget that fit your needs and lifestyle. Your pre-approval helps you focus on homes you can confidently afford.

3. Make an offer

Once you find the perfect home, your agent will guide you through making a competitive offer and scheduling inspections.

      • They’ll research recent sales in the area to ensure you’re offering a fair market price.

      • Inspections will uncover any issues with the structure, plumbing, electrical, or HVAC systems.

      • If you want appliances or fixtures included, make sure they’re listed in your contract.

Having a strong offer with pre-approval attached gives you the best chance of acceptance.

4. Apply for a mortgage

When your offer is accepted, complete your mortgage application. This step collects any remaining financial details needed to process your loan and locks in your interest rate through closing.

5. Underwriting and appraisal

During underwriting, we review your application, verify your income and credit, and order an appraisal to confirm the home’s value. Here’s what to expect:

  • An underwriter completes an initial review.

  • If additional documents or conditions are needed, we’ll guide you to clear them quickly.

  • Your file then goes back to underwriting for final approval and a clear to close (CTC).

  • The processor will notify all parties of your CTC and confirm your closing date and time.

Knowing what happens behind the scenes helps you prepare and feel confident at each stage.

 

Ready to purchase a new home? Let's get started.

There’s no better time than now to explore your homeownership options. Getting pre-approved is a simple first step that gives you a clear understanding of how much you can afford, shows sellers you’re serious, and helps you shop with confidence. Our team is here to guide you through every stage of the process so you can move forward toward your new home with ease.

Get Pre-Approved