|
The
Basics
|
|
Congratulations on your
decision to buy a new home! There are many important
things to consider throughout the home loan process, especially
if you're a first-time homebuyer. 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.
|
|
Count
On Your Real Estate Agent To....
|
| 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
texasmortgageinc.com 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! |
|
|
Count
On Your Mortgage Broker and Loan Officer To....
|
| 1. Assist you in
selecting the best home 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 home loan status throughout the entire process. |
| 3. Keep your Real
Estate Agent informed of our loan progress (Note:
your personal information is always kept
confidential between you and
texasmortgageinc.com;
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. |
|
|
Count
On Yourself To....
|
| 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. |
|
|
|
