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Make an investment in your future!
There is no feeling like pulling into your driveway, walking into your dream home and being greeted by your loving and grateful family whom you have provided this beautiful home to live in. This home gives your family safety, security and stability. This home is where you and your loved ones will share holidays, special moments, monumental steps in life's journey, and an investment which will be the cornerstone of your financial stability. Home ownership is the American dream.
Don't be afraid to take that step and set yourself on course to accomplishing everything you want, present and future.
Buying a home whether it is your first, second, third, or tenth can be nerve racking. There are many steps involved and it can get quite complicated. As real estate professionals we are trained and experienced in this process. Don't leave the purchase of your next home to chance, leave it to us it's what we do.
BUILD WEALTH
PROVIDE STABILITY
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SECURITY
SUCCESS
Choosing the right Realtor is one of the most important decisions a home buyer can make when embarking on a new home purchase. Your agent needs to be responsible, responsive, organized, and experienced. Munns Real Estate Co. agents are hand selected to ensure these requirements are met. Hiring an agent costs you nothing and with your busy schedule you can't keep up with all the deadlines and requirements needed. Your agent will keep the transaction on schedule and manage your purchase.
The agent responsible for selling the home you want to buy is working for the seller. They have a duty to look after the seller's best interests not yours. You need your own agent to fight for you and work diligently to get you the best possible outcome.
Call us anytime, we're ready!
1-855-696-8667 ext 700
email: info@cmunns.com
1. Decide the location you want to buy.
2. Decide how much you can comfortably spend.
3. Pay off all revolving debt. Revolving debt is an open credit line or a credit card. Close all accounts that are not necessary. Just because you never use them doesn't mean it won't affect your credit.
4. Collect Ws, three years of tax returns, personal balance sheets, letters explaining any irregularities in your credit report, and any other financial document that may have a bearing on your ability to borrow.
5. Once you have an amount you can spend and you have your finances in order you should now call your Realtor. Your Realtor will guide you to a lender that can fulfill your financing needs.
6. With the assistance of your lender determine the right loan for you. There are many options out there and a good lender will know all possible products available to you. This is an important part of the process. The loan you choose will have immediate financial impact on you as well as long term implications. Below is information that you may find usefull.* Your lender will pull a credit report. This report is one of the two most important parts of getting a loan. If there are any dings on your credit you and your lender will come up with an action plan to clean it up so you can negotiate the best possible loan.
7. Set aside enough money to pay your deposit and cover down payment and closing costs. You Realtor or lender will provide you with this information. It is also a good idea to set aside some additional money to cover moving costs and preparing your new home for occupancy.
8. Now that you know how much you can borrow and the lender has provided you with a pre-approval letter you can begin viewing properties.
9. Your Munns Real Estate Co. agent will search all potential properties and provide you with the relevant information for you to make your decision to view. Your agent will handle all appointments and contact the necessary people to gain access to the property.
Now lets get started!
Conventional FHA VA USDA
