Home-Buying Checklist | Simplify the Process
Buying a home comes with a lot of moving parts. This checklist can help you understand what to expect and prepare for the financing process with confidence.
Build your credit history before you apply.
Aim to have at least three credit accounts that have been open for 12 months or longer before you apply.
Save for your down payment and closing costs.
A down payment of 3% to 5% is typically required from the buyer. Try our Down Payment Calculator to see how changes in your down payment can impact your mortgage.
Closing costs are separate from your down payment. The seller may be able to contribute to closing costs. Talk to a mortgage specialist about this. You can estimate your closing costs with our calculator.
Be ready to share your income and employment history.
Lenders typically review your income and employment history as part of the application process. This may include salary, military benefits, investment income, and other qualifying sources. If you earn bonuses, commissions, or self-employment income, you may need to provide a longer history.
Compare mortgage rates and loan options.
You will also want to consider the service, convenience and support you’ll receive along the way.
Get a personalized quote online to review rates, loan terms, monthly payments, and estimated closing costs.
Our mortgage calculators can help you estimate your monthly payment and debt-to-income ratio.
Talk with a mortgage loan specialist about options that may be available for you.
- Go to our Get Help page to schedule an appointment or start an online chat.
- Call 316.383.8570 or 855.383.4434 to speak with our team.
- Email us to get started.
Connect with a realtor for guidance as you explore homes that fit your needs and budget.
Learn more about Emprise Bank mortgages and apply online in less than 10 minutes.