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ProAdvantage
Client Quotes |
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| After an extensive search, we finally found the house we wanted, but had some trouble selling our house (it was right around Christmas and nobody was buying). Rates had fallen and we weren’t sure whether we should lock in with the hopes that we would sell our house, or risk losing a good rate. Our mortgage consultant gave us great advice and we ended up going ahead with the lock-in. The day we requested it, our mortgage consultant managed to find an even better rate, saving us even more money. In the end, our house sold and we closed on both houses one week before our baby was born. The experience was stressful, but our interactions with your mortgage consultant never were! | | | Cindy Silva and Family
Fidelity Investments | | |
| | The home buying experience was certainly a stressful one, just as PAFG mentioned it would be. However, their help and advice throughout the process certainly alleviated any anxiety that my wife and I had regarding our mortgage. My countless phone calls regarding the various aspects of home buying, as well as for trying to lock-in a favorable rate were always met with an understanding attitude and favorable results. My wife and I certainly appreciated everyone at PAFG’s patience and assistance. Thank you again for all your help PAFG! | | | Harry E. Comninellis | | |
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| The Home Buying Process |
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First Make Sure you Are Really Pre-approved and Determine How Much Home you can Afford - The first step in buying a home is getting a real
credit pre-approval. You’ll receive a loan commitment from your mortgage
company before you’ve found a home, so you can start house hunting confidently. It is important you have an offer in writing and they ran a real credit check on you so you know the offer is valid. This step also lets you know how much home you can really afford to buy.
Find the Home That is Right for You - Take your time when looking for
your dream home. Consider hiring a buyer’s real estate agent to help you
navigate this process. Research the community, knock on doors, and ask around. Don’t rush into anything; this is one of the biggest decisions you have to make in your life.Make the Offer - Once you’ve found a home you want, you will need to decide how much you’re willing to pay to make close the deal. Think about what other homes have sold for in the area, how much money you might have to put into repairs or renovations, and how much you’re comfortable spending. Again, do some research if you can to help you find the right offer price.Get the Home Inspected - An inspection by a professional that is qualified makes you a more informed buyer, which is crucial when you’re making such a large investment. Your inspector will examine the foundation, roof, heating and cooling system, plumbing, and more. Any problems will be recorded in an inspection report, which you can use to negotiate with the seller. Be sure to get everything in writing to protect yourself in the future. And find an independent inspector.
Secure Home Owners Insurance - If you are securing a mortgage you will be required to prove you have adequate home owners replacement insurance.Close the Deal - Closing is the final step of the home buying process, when you, the seller, the closing agent, and others meet to transfer funds and finalize paperwork. And when the last check has been handed over, the last document autographed, you are left holding the keys to your new home.
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