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Preferred Lenders

We have chosen these  preferred lenders because of their

past performance and ability to close on time.

Key Steps for Purchasing a Home

#1 Get Pre-approved

Mortgage lenders play a crucial role in the home buying process by providing the financing necessary for purchasing a home. Here are several ways in which mortgage lenders can assist you when buying a home:

  1. Pre-Approval: Mortgage lenders can pre-approve you for a loan, which gives you a better idea of how much house you can afford. This pre-approval letter is often required by sellers as proof that you can secure the necessary financing. 

  2. Financial Guidance: Mortgage lenders can offer guidance on improving your credit score, managing your debt, and preparing your finances for homeownership, which can help you qualify for a better loan.

  3. Down Payment Assistance: Some lenders offer down payment assistance programs or can connect you with government or nonprofit organizations that provide grants or low-interest loans to help cover your down payment.

  4. Loan Application Support: Lenders assist you with the loan application process, ensuring that you complete the necessary paperwork accurately and efficiently.

  5. Loan Options: Mortgage lenders offer a variety of loan programs with different terms, interest rates, and down payment requirements. They can help you choose the one that best suits your financial situation and goals. If your loan is based on a pre-appraisal based on plans and specifications, this can add up to a month or more to your build time, depending on the appraiser and what the lender requires.

  6. Interest Rate Quotes: Lenders can provide you with current interest rate quotes, allowing you to compare rates and choose the one that fits your budget and financial objectives.

  7. Underwriting and Approval: Lenders handle the underwriting process, where they assess your creditworthiness and the property's value to determine if you qualify for the loan.

  8. Refinancing: Down the line, when interest rates drop or your financial situation changes, lenders can help you refinance your mortgage to potentially secure better terms.

  9. Accessibility: Reputable lenders provide various communication channels to address your questions and concerns, making the process more accessible and transparent.

It's important to research and compare different lenders to find one that aligns with your needs and financial situation. A good lender can streamline the home buying process, provide valuable advice, and help you secure the right mortgage for your new home.

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