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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.
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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.

Start the process

GETTING STARTED

Buying a Home

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.

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

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.

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.

Rate Leaf Inc. (Rate Leaf Mortgage Brokers, Rate Leaf) is a wholesale mortgage broker. This advertisement is not a commitment to lend. Receipt of this advertisement does not mean you have been pre-qualified or pre-approved for any product or services we offered. Interest rates and APRs are for informational purposes and do not include all applicable fees. 15-year and 30-Year fixed Interest rate quoted are based on a Home Purchase of $400000 at 90% loan-to-value (LTV) with an estimated 700 FICO Score, actual rates, payments, and costs may differ. To get the most accurate information please contact us directly. Quotes are always complimentary, with no obligation to proceed. Note: Loan limits may vary by county