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While you’re picking out your dream home, we’ve done the heavy lifting by creating the ultimate home-buying checklist. Follow these steps to simplify your home-buying process.
Positive pay history is important!
Establish a credit history that includes at least three credit accounts that have been open for at least 12 months.
Save funds for your down-payment and closing costs.
Our minimum down-payment requirement is 5%. Closing costs would be in addition to the required down-payment amount. Sellers may assist with closing costs up to 3%.
Remember your income is closely reviewed as well as two years' worth of work.
Income may include social security benefits, monthly pension, alimony/child support, military benefit, or income from investments. Any income received from a bonus, commissions or part time employment can be included if received for two years. Job time can include dates of schooling and education for students. Self-employed borrowers are also eligible with a two-year history of income received from the business documented by two years of personal and business tax returns.
Check rates online for current interest rates and pricing.
Don’t forget to factor in things like local service, ease of process and relationship with the lender in making your final decision.
Get a personalized quote online to check rates, review different term and payment options as well as total amount of down-payment and estimated closing costs.
Check out mortgage calculators to calculate things like a mortgage payment or figure your debt-to-income ratio.
Speak to a mortgage loan advisor.
Call 316.383.4141 or 855.383.4434
Contact a realtor to seek any property advice.