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Couple Saving for Home
Mortgage PreApproval
Home Loan Pre-Approval

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Applying for a mortgage can be exciting, nerve-wracking and confusing at the same time but we are here to make the process easier and less stressful for you.

Buying a home is a competitive process, but there is one way to give yourself an advantage by getting a pre-approval letter. Pre-approval letters certify that you qualify to buy a home within a set price range.

Once that's done, you can start shopping for a home.

GETTING STARTED

Buying a Home

1

Get Pre-Approved

Fill out the online application on our website to get pre-approved by one of our mortgage brokers. Once you're pre-approved, you'll be eligible to buy a home
within the budget your broker determines for you.
Buying a Home
2

Hire a Real Estate Agent

Once pre-approved, you should work with a local real estate agent who can give you detailed information about local listings that may not be available to the public.

A real estate agent will help you negotiate the price of the
home you're looking to buy.
Buying a Home
3

Appraisals & Inspections

Home inspections are necessary to help you identify any problems with the home that could help you negotiate the price once you've made an offer.

Appraisals help confirm the home's market value. Appraisals are subjective, so your listing agent should be there in case the appraiser doesn't use a realistic comparable.
Buying a Home
4

Down Payment and Closing Costs

Closing costs are about 3% of the loan amount you're taking on. Down payments can be anywhere from 3% to 20%, depending on your credit score and whether or not you want to pay for mortgage insurance.
You pay these costs at closing, when you're ready to sign off on the loan.