Purchasing a new home is a huge endeavor, no matter how many times you have been through the process.  The first step with any home purchase is sitting down with you to analyze the financial side of this new purchase by looking at how this new housing payment will impact your short and long-term financial goals.   The second step is to analyze loan programs to determine the best program to meet your needs surrounding down payment and monthly payment.

1. Understand Your Finances
   Sitting down with a good mortgage professional is the first step so you can gain a clear understanding of what you may be able to afford for a housing payment.  (You can read about how to find a mortgage pro on my blog)
    

2. Get Pre-Approved
   Once you have determined how much you can afford, it's time to get pre-approved so you can shop for a home and be able to make an offer.
    

3. Go Shopping for a Home with A Real Estate Agent
   As a home buyer, there is no cost to you for having a real estate agent.  An agent can be extremely helpful for you by assisting you with all the details of the purchase transaction.
    

4. Make an Offer
   Once you have found a home, it's time to make an offer.  Once your offer has been accepted, it's time to meet with you mortgage professional again and finalize the details of your loan.
    

5. Lock or Float your loan
   Once you have a contract accepted, you can lock your interest rate in.  A good mortgage professional will be able to share with you what is going on in the financial markets to aid you in making the decision to lock your interest rate or gamble to see if rates get better.
    

6. Attend the Closing
   The last step in the homebuying process is attending the closing where you will sign a bunch of paperwork and pick up the keys to your new home. 

I encourage you to view the classroom section of my website to learn more or read my blog.  

First Time Homebuyers
If you are a first time home buyer, there is no doubt this will be an overwhelming experience for you.  I have extensive experience working with first time homebuyers and understand all the concerns you may have about buying a home.   I encourage you to pick up a copy of my book, Create Wealth With Homeownership, to further your education so you understand the significance homeownership has on your financial life.   If you are searching to learn more, I encourage you to attend an upcoming workshop or webinar. 

Moving to a New Home
Upsizing, Downsizing, Transferring?  No matter what your reasons are for moving, my team and I are here to help make the financial side of your transaction smooth.   You will find that working with me that your home buying experience will be significantly more pleasant than past experiences.   Not only do I have a superior communication system in place to keep you and the related parties involved informed, you'll also find that the advice I provide will open your eyes as it relates to the management of your personal finances and your mortgage. 

If you are considering taking out new money for the purchase of or refinance of residential real estate, and you would like to ask some questions, I  am available to speak with you in detail by appointment only.  Please contact my office to set up a time to speak at which point we can decide if a more in-depth personal visit would be beneficial.