Buying a Home

Knowledge and experience are the keys to a successful real estate transaction. HomeSmart agents have all of the tools necessary to help make your home-buying process easier and more understandable. Our goal at HomeSmart is to provide you with the most informative and professional services available, so we have included an overview of what you can expect throughout the home-buying process.

You have already made the smart move by choosing a HomeSmart agent to assist you with the process of purchasing a property. Your next step is to speak with a lender and complete a loan application. This will allow the lender to issue a pre-approval letter, which must be submitted with all offers to purchase.

Most transactions require financing to assist in the purchase. A lender can be a mortgage company, a bank, private financing, as well as other options. Whichever you choose, the lender plays an extremely significant role in the transaction. You will be asked to complete an application, provide documentation and verify your income. You may also be asked to give permission for your credit score to be checked and for your assets to be verified. There are numerous steps to take to secure financing, and your cooperation with the lender is a key ingredient to experiencing an on-time, relatively stress-free closing!