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Home Loans Made Smarter

Steps To Buy A Home

Here Are The Steps You Need To Follow!

For many people, the process of buying a home can seem very intimidating. This is not always the case. The process is fluid and different for everyone, but following these steps can ease the nervousness that comes with buying a home…


  • Know your budget

    • It is highly important for you to set a budget. There are several “Rules of Thumb”  to homebuying. Some advise spending an amount 3-4 times your annual salary. If you can afford a larger down payment, your house can become more than 5 times your annual salary. Everyone’s budget is different, it’s just important you find a budget that works for you.

  • Verify credit

    • Your credit score is incredibly vital for the homebuying process. The three-digit number determines whether or not you’ll be able to secure a loan. Once you’ve verified your credit score, you can aim for the right loan and lender.

  • Compile all necessary documentation

    • In order to be pre-approved for a home loan, (SPOILER ALERT) which is the next step to the homebuying process, you need to compile all necessary documentation. This includes:

      • pay stubs

      • bank account statements

      • W-2s for the previous two years

      • statements from current loans and credit lines

      • names and addresses of landlords for the previous two years

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  • Find lenders and get pre-approved for home loan

    • Becoming pre-approved for a home loan will set a definite budget for your future home. Having a set number for a home allows for a much easier home buying process. It also allows for you to operate with the knowledge that you will be approved for a loan.

  • Find dependable realtors

    • Realtors and Real Estate Agents have access to helpful information that the general public does not. They also possess a unique skillset. The right realtor will have good negotiation skills, familiarity with your desired area, and expertise in the home buying process. Purchasing a home is made infinitely easier with a dependable, trustworthy realtor.

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