Aside from making a plan with a trusted, local real estate expert, the most important step in the home buying process is to consult with a mortgage lender and your financing options.

When you know what you can afford, we can refine your home search to make your purchase more efficient and find the home that’s best for you.

Before you start looking for a home to buy, it’s a good idea to meet with your Loan Officer to get pre-approved for a loan amount.

At this stage, the lender gathers information about income, assets and debts of the borrower (you) to determine how much house you may be able to afford.

This includes a credit report, W-2 forms, pay stubs, Federal Tax Returns and recent bank statements.

There are a variety of different loan programs, so make sure to get pre-qualification for the specific programs that best suit your needs.