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Congratulations
on your decision to buy a new home! There are many important
things to consider throughout the process, especially
if you're a first-time home buyer. Here's some information
that will keep you on track.
In General....
A home purchase may be your largest financial transaction
to date, so it's important to make the right decisions
and to keep an eye on the details. With the assistance
of your Real Estate Agent and Loan Officer, it should
be an efficient, pleasant, and ultimately rewarding experience.
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Count On Your
Real Estate Agent To: |
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1. Preview available
homes to weed out those that are overpriced, or undesirable
in some other way.
2. Present the homes
that suit your needs as you've defined them.
3. Help you determine the difference between a
"good buy" and a property which, because of
its nature (neighborhood, market appeal, etc.), might
have to be discounted if you decide to sell in the future.
4. Negotiate the best deal for you. With a
Pre-Qualification letter from Express Mortgage Decisions,
Inc. in hand, your Real Estate Agent will be able to demonstrate
that you are a qualified and capable borrower. This will
strongly influence the Seller, and may make the difference
between the Seller accepting your offer or someone else's
-- even if your offer is lower!
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Count On Your Mortgage Broker
and Loan Officer To: |
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1. Assist you in selecting
the best loan to meet your personal situation and goals.
(This single decision can save you thousands of dollars
throughout the years!)
2. Keep you informed
of your loan status throughout the entire process.
2. Keep your Real Estate Agent informed of
our loan progress (Note: your personal information is
always kept confidential between you and Express Mortgage
Decisions, Inc.; only deal points and progress are shared).
4. Get the appropriate loan for you at the
best rates and fees. This will save you significant money
"up front" and throughout the years to come.
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Count On Yourself To: |
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1. Keep your Real Estate
Agent informed of any questions or concerns as they develop.
2. Keep the process moving by providing documentation
and decisions as soon as reasonably possible. By doing
so, many of the details are taken care of early in the
process so you can comfortably concentrate on any last-minute
details or events that require your attention.
3. Enjoy purchasing your home, but do remain objective
throughout -- to make the business decisions that are
best for you.
4. Make sure you are pre-approved
as early as possible. This will put the power of financing
behind you so you can concentrate on selecting your home.
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