Buying Process

Although buying your own home continues to be the American dream, most of us will never have the cash needed to purchase a property without a home mortgage. Experts recommend beginning the process by getting pre-approved for a home mortgage before you start shopping for the home itself. While this form of financing can seem intimidating, overwhelming, and confusing if you’ve never been through it before, a step-by-step look at the mortgage process can often make the prospective home buyer feel a little bit more comfortable.

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step 1

Check your credit rating

If you’re shopping for new home loans Austin, you may be wondering where you should start. Before doing anything else, check your credit rating and build your savings.

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step 2

Find a lender

It’s important to choose a lender you can trust that offers rates and conditions that work for you.

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step 3

Get Pre-Approved

Many consumers confuse the pre-approval process with a pre-qualification. In a pre-qualification, the mortgage lender casually asks your income and expenses to provide a letter that says you qualify for a certain amount.

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step 4

Finding a home

There are several key questions to ask yourself before buying a home, because a home is huge investment that will affect your life for years to come.

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step 5

From Contract to Close

Between the time that you sign the contract and close the deal, many items must be taken care of. On your part, call your lender to lock in an interest rate to schedule a home inspection.

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step 6

Closing on Your New Home

On closing day, you will walk through your new home to make sure that it meets with your approval.

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