purchasing a home
Buying a home can feel like a maze with all those mortgage choices, right? Well, that’s where I come in! As your go-to mortgage broker, I tackle these tricky bits every day, sorting through the numbers and finding options that fit your wallet. My mission? To land you a mortgage that matches your dream home and your budget—plain and simple!”
The Home Buying process
1. Getting Pre-Approved
The first step in the mortgage process is getting a pre-approval. During this stage, your mortgage associate will assess your financial profile and speak to you about your home buying goals. Using this information, your mortgage associate will provide you a pre-approval with a purchase price range, allowing you to start home shopping with your real estate agent.
2. Searching For Your home
Now that you know what you can afford, you can begin the exciting process of house hunting! Your real estate agent will show you properties based on your wants and needs, while taking your pre-approval purchase amount into consideration. Enjoy this part of the process, and make sure to do whatever is in your best interest!
3. Making an offer
This is where you will work closely with your real estate agent and write up an offer. If accepted, your real estate agent will forward your mortgage associate a copy, along with any other required documents. In most cases, once the offer is made, you typically have one week to remove conditions.
4. Removal Of Conditions
This is where you will work closely with your real estate agent and write up an offer. If accepted, your real estate agent will forward your mortgage associate a copy, along with any other required documents. In most cases, once the offer is made, you typically have one week to remove conditions.
5. Meeting Your Lawyer
Your meeting with the lawyer typically takes place 1-2 weeks before possession. Once the documents are cleared by the lender, they will send instructions to the lawyer. Once received, the lawyer will contact you to make an appointment. At that point, the rest of the down payment and legal fees are due to the lawyer. Remember to have your home insurance in place before meeting your lawyer
6. Possession Day!
Congratulations! The moment you have been waiting for! Your real estate agent will meet you at your new home, give you the keys, and do a walk through to make sure everything is as it should be.
