Determine how much you can afford to spend on a home, including the down payment.
Look for a real estate agent who is knowledgeable about the local market and can help you stay within your budget.
Contact a lender to get pre-approved for a mortgage, and ask your real estate agent for advice on which lenders to consider.
View listings online, but also visit homes in person to get a feel for the area.
When you find a home you like, your real estate agent can help you develop an offer.
Your real estate agent can help you submit offers and negotiate with the seller to get the best price.
An appraisal will determine the property's true value, which is important for getting the right financing.
Home insurance protects yours and the mortgage lender's investment by providing the money to repair or rebuild the home if it is damaged or destroyed by a fire, a lightning storm, a tornado or some other covered event.
Do a final walk-through of the home and sign the final documentation.
Ameritrust Mortgage Corporation, NMLS #217229 located at 17341 Irvine Blvd., Suite 285, Tustin, CA 92780. Ameritrust Mortgage Corporation does not provide legal, tax, or financial advice or guidance and is not associated with any government agency. This is not an offer for an extension of credit nor a commitment to lend. Programs, rates, terms, and conditions are subject to change without notice. Certain restrictions may apply. All approvals are subject to underwriting guidelines and minimum credit requirements. Not all loans or products are available in all states. As a result of refinancing, your total finance charges may be higher over the life of the loan. Minimum and maximum loan amounts apply. For current licensure information, please visit www.nmlsconsumeraccess.org.
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