Purchase a Home

Purchase a Home

Whether you’re buying your first home or your dream home, we have a mortgage solution for you. Get Pre-Approved & Compare Loan Options.

Get Pre-Approved within 24 Hours

An Investment in New Property Is an Investment in Your Future

What are the Steps to Buying a Home?

Here’s a breakdown of the home-buying process. You can swap a couple of the steps like getting pre-approved before finding an agent, but you don’t want to find the perfect place before getting pre-approved, only to have a better-prepared buyer beat you to the punch.
Get Pre-Qualified
The amount of money you qualify for depends on the results of an assessment of several factors, but the primary credentials that get evaluated are your credit, income, assets, and debts.
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Evaluate Your Options
You will evaluate the programs and rates available to you. Once you’ve identified the best fit for your needs, you will apply for approval. This step involves sharing some additional personal information and providing documentation when necessary. Then, applicants typically pay for an appraisal to keep the process moving forward.
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Review
There are a few out-of-pocket costs that applicants must be sure not to overlook during the mortgage application process. One of them is for an appraisal of the house you are looking to purchase. Your lender will determine the value of the house with an appraisal. While this cost is typically out-of-pocket, it is necessary because the house is your loan’s collateral. Appraisal costs vary, but each one is largely determined by loan type. Applicants will also be expected to pay for title insurance. While owner’s title insurance is optional, a lender’s title insurance policy is mandatory. Why? Because it is a retroactive policy that protects lenders against lawsuits, liens, and any other potential losses attributable to previous holders in the title chain.
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Expect a Few Costs
There are a few out-of-pocket costs that applicants must be sure not to overlook during the mortgage application process. One of them is for an appraisal of the house you are looking to purchase. Your lender will determine the value of the house with an appraisal. While this cost is typically out-of-pocket, it is necessary because the house is your loan’s collateral. Appraisal costs vary, but each one is largely determined by loan type. Applicants will also be expected to pay for title insurance. While owner’s title insurance is optional, a lender’s title insurance policy is mandatory. Why? Because it is a retroactive policy that protects lenders against lawsuits, liens, and any other potential losses attributable to previous holders in the title chain.
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Sign, Close, Get Your Mortgage
This is also a good place to reiterate the role that time plays in the mortgage application process. How quickly things move from Point A to Point B when buying a house is chiefly dependent upon your lender. When you work with ChoiceHomeLending.com you can feel confident knowing that your application will be processed quickly, so you can get settled with your loan faster.
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How do I get started?

Click the Apply Now Button to get started today!

What Buyers Are Saying?

Mortgates is a wonderful place with highly experienced experts! With their help I bought my first apartment and I’m happy now!

Emma Zacks

These guys are great! Me and my wife are very satisfied with all the services we got. I’m definitely recommending ChoiceHomeLending.com to…

Adam F.

Skilled experts, low rates, wide selection of houses and various options for clients – what else can be needed! Awesome services and…

Mary Fox