8 Steps to Homeownership

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  Calculate Affordability

  How much home can you really afford after your down payment, closing costs, and monthly debt?

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  Get Pre-Approved

  A lender verifies your financial status, credit, and down payment to approve you for a loan (up to a certain amount).

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  Shop the Market

  Determine your wants and needs in a new home. Walk model homes, research neighborhoods, and compare home values.

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  Sign Purchase Agreement

  Review the Agreement to understand the conditions of your purchase, such as the purchase price, home features, and move-in date.

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  Purchase Home Insurance

  Your lender requires you to insure your property before taking out the loan.

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  Schedule Final Walkthrough

  Make certain the property is in the condition upon which you agreed to purchase it.

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  Close on Your New Home

  Bring your photo ID and certified funds to closing at the title company. Once the deal funds, you get the keys!

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  Move In

  Settle in, unpack, and enjoy your new home!