Step 1: Check Your Credit Report & Score
You can check your credit at annualcreditreport.com or creditkarma.com. Check your report for accuracy. If you find errors, dispute them because it may help to raise your credit score. The higher your score, the better loan you’ll qualify for.

Step 2: Figure out How Much You Can Afford
You can use a free online mortgage calculator to help you calculate an affordable monthly mortgage payment. Be sure to factor in money you’ll need for a down payment, closing costs, and other costs and fees (appraisal, inspection, remodel, etc.). There are different loan types available and depending on your needs. An experienced home loan expert can help you understand all your loan options, closing costs and other fees.

Step 3: Secure Financing
Have a mortgage lender go through the best loan options for you and your situation. Get a pre-approval so you will have a better idea of how big a loan you qualify for. Fill out the form below and click the pre-qualify button below, it’s fast and easy.

Step 4: Find a Real Estate Agent and Look for the Right Home
Make a list of the things you are looking for in your new home. How many bedrooms and bathrooms? How much kitchen, closet and cabinet space? Do you have a specific area of the city that you want to focus your search on? Find an agent and they can go to work for you to find a home that meets your criteria.

Final Steps in the Process:
Your agent and your loan officer will explain and guide you through the final steps in the process. You will make an offer on your house, financing will be secured, a home inspection will be scheduled, etc. as you move towards the closing date.
Be sure to ask your agent and your lender if you have any questions. Buying a home for the first time doesn’t have to be a hassle if you’re prepared and you know what to do and when to do it. Choose an experienced home loan lender and a friendly, knowledgeable real estate agent to help ensure you have a smooth home