Start online. The Law grants you 1 free copy of your credit report per year. Go to annualcreditreport.com – scores range from 300 to 850; the better your score, the more loan options are available to you. Check your report and dispute any errors found; this may help your credit score. If numbers aren’t looking so great, lenders usually have programs to help build & repair credit scores.
Meeting to get pre-qualified with your lender will give you a better idea of how much home you can afford. You could even take it one step further by getting an actual approval before you start home shopping.
Make a list of your needs and must-haves for your new home. Figure out how many bedrooms and bathrooms you will need to get an idea of how much space you want. Do you need a big yard for gardening and entertaining, do you need a den for a home office? We can always meet with you to personalize the features of your new home to match your list.
Once you find the home of your dreams, it's time to put in a competitive offer. In today's fast paced market, you are more likely to have a counter offer or even multiple offers on "your" home. Once your offer is accepted, earnest money deposit turned in, you are on your way to becoming a homeowner!!
Depending on the stage of construction of your new home, it could take 30-180 days to close. Before closing occurs, The Builder will take the opportunity to present you with the finished product, aka your new home!
Talk to your Mortgage Banker to confirm your final closing costs so there are no surprises during this process.
Move in and make your memories!!
The love and dreams are your idea; the boards and beams both ours and yours. Just please forgive our designers for getting more excited than you during the experience.See For Yourself
Once upon a time, they felt nobody would understand their dream, that nobody would get it right. Then they met us. Today, they share their unique stories with the world.See For Yourself
Respect must be earned. We’ve worked hard for 20 years with over hundreds of firms and families. Can’t show our cuts and bruises, only the amazing results.See For Yourself