HomeBuyer Guide  

You’ve decided to start fresh and purchase a new home. This is a very exciting for you and I look forward to guiding you smoothly through this process, helping you to efficiently find the home of your dreams.

• Calculate your budget
• Apply for a mortgage loan application
• Lender begins processing application
• Lender provides booklet of estimated closing and related costs
• Lending institution requests an appraisal of home, a credit report and verification of employment and assets.
• Estimate of your loan costs in form of initial Truth in Lending Disclosure Statement
• Lender evaluates the application and approves the loan
• Search begins—I show you multiple listings
• You find the house you want
• You make an offer
• Lender disburses funds to closing agent
• Sign closing documents and loan is funded
• Appropriate documents are recorded at county court house
• The home is sold and it is yours.

Now that is the process, let’s look at each step!