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First Time Home Buyers

More space.  A nicer environment.  Being able to paint the walls any color you'd like.  Those are just a few of the more obvious benefits of home ownership.

Benefits of Buying

Buying a home is a big decision.  When making this leap, it's good to remember the benefits of this investment.  If you're currently renting, buying a home may be an added tax benefit.  Because your home builds equity every month, you'll save when you buy it, while you live in it, and possibly make money when you sell it.

Pre-Approval

Before you buy is the best time to get pre-approved.  Getting pre-approved will let you know how much home you can afford, and it lets sellers know that your offers are serious.

Obtaining a Loan

In order to close the deal, you need to secure the necessary financing for your home.  Some things to set aside in order to get your personal papers in order:

  • Current pay stubs, including year to date income and previous years.
  • Current W-2 or tax returns if self employed.
  • Bank Account Statements
  • Credit Card information
  • Other loan information- car, student loans, or other.
  • Investment Information- includes any account numbers & values.