#1 Determine Your Location, Price and Needs Before You Begin    Is the home for your residence or an investment?  How many bedrooms, baths? How much will you spend per month? How much cash do you have saved for a down payment? 

# 2 Meet with a lender to get pre-qualified.  A lender can discuss the different types of financing available for you and explain the steps in the mortgage process.  We have a number of great lenders we can refer you to.  All buyers must be pre-approved for financing before they can participate in our program.      Only 3% Total Cash Needed!

# 3 Searching For Your Home   
FreeListingSearch.com alows you to search the local MLS database (MRIS) of properties for sale and arrange times for you to see the homes.  When seeing property, be honest about what you like and dislike about each home.   This will help narrow down you home search.


#4 Making An Offer
I will work to get the most favorable price and terms possible for the home you choose to buy.  If you're trying to buy a foreclosure, in most cases offers are made through sealed bids. 


# 5 Title Work and Finalizing Your Loan 
A title, settlement, or escrow company will prepare the title work to ensure that your property is conveyed with clean title.  A title search will turn up any title defects or liens on the property. 

# 6 Settlement     Settlement is when the property is legally transferred from the seller to you.  You will be signing a number of documents pertaining to the sale as well your mortgage.  Examples are the deed of trust, note, and settlement statement. 

Settlement usually takes less than an hour.  You then receive the keys to your new home!