SELF EMPLOYED PROGRAM with ONLY 3.5% DOWN PAYMENT!
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Buying a home is one of the most exciting—and significant—decisions you’ll ever make. Whether you’re a first-time buyer or looking for your next home, this guide will walk you through the entire process from start to finish. Let’s dive in!
Before you start scrolling through listings, it’s essential to know what you can afford.
Review your income, debts, and monthly expenses
Check your credit score
Use an online mortgage calculator to estimate monthly payments
Consider how much you can put down as a down payment
Tip: Lenders typically recommend that your monthly housing costs not exceed 28-30% of your gross income.
Getting pre-approved not only helps define your price range—it shows sellers you’re a serious buyer.
Choose a lender and complete a pre-approval application
Submit income, employment, and credit information
Receive a pre-approval letter with your loan amount
Pro Tip: Don’t confuse “pre-qualified” with “pre-approved.” Pre-approval carries more weight in negotiations.
A professional agent makes the process smoother and can help you find the right home faster.
Ask friends and family for recommendations
Look for agents who specialize in your desired area
Interview a few to find someone you trust and connect with
Schedule visits to potential properties to assess their condition and suitability.
Take note of key features, layout, and any necessary repairs.
Consider the property’s proximity to essential amenities such as schools, public transport, and shopping centers.
Found the one? Time to make your move.
Work with your agent to determine a competitive offer
Include contingencies (e.g., financing, inspection)
Be prepared to negotiate with the seller
Once the seller accepts, you’re officially under contract!
Inspections reveal issues that could cost you down the road.
Hire a licensed inspector
Attend the inspection, if possible
Review the report and negotiate repairs or credits
Time to dot the i’s and cross the t’s on your financing.
Provide updated documents to your lender
Lock in your interest rate
Prepare for closing costs (typically 2-5% of the purchase price)
You’re almost there!
Review and sign all closing documents
Pay your down payment and closing costs
Receive the keys to your new home 
Don’t forget to schedule your move, set up utilities, and update your address!
Congratulations—you’re officially a homeowner! Whether you’re unpacking boxes or picking out paint colors, take a moment to celebrate this huge milestone.
Contact Us through phone, email or visit our office.
