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| First-Time
Buyers |
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Buying a home is probably the biggest financial commitment
you'll ever make. Buying a home is not just a dollars-and-cents
investment; it's an investment in your life. It will
create a sense of stability and identity for you and
your family. Regardless of how times change, owning
a home remains the cornerstone of the American dream.
So whether you're a first-time buyer or need a brief
buying refresher, let us help you through it all.
We're with you every step-by-step of the way to make
your new home purchase an easy and fun experience!
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Here's
a quick look at the steps you'll take when buying your
first home: |
1. |
Go to one of our Free Home Seminars to get valuable
home buying tips, information on the current housing
market and financial advice. |
2. |
Figure
out how much home you can afford. |
3. |
Conduct
a preliminary property search. Think about the area
you wish to live in, style of home and any specifics
you may require, ie. number of bedrooms. |
4. |
Contact a
Mortgage Consultant and get your mortgage preapproved.
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5. |
Contact
an Realtor® to look for a house that meets
your needs. |
6. |
Once
you find a home that you want to make an offer
on, you'll sign a purchase agreement and give the seller
earnest money to seal the deal. If your offer is accepted
(sometimes with contingencies), determine a date you
wish to close. |
7. |
Have
your new home inspected to ensure there's
nothing seriously wrong with the property and get homeowner’s
insurance to protect yourself against any unforeseen
calamity. You may also want to check for mold in the
home. |
8. |
Notify
your loan officer that you've found a property
so they can begin the appraisal and title process. And,
lock in your interest rate. Your loan officer will send
you a new good faith estimate which shows your monthly
mortgage payment as well as your estimated cash needed
for closing. The title company will notify you of the
time and date you close on your home and the items you'll
need to bring to closing. |
9. |
Notify
your phone company, utilities (don't forget water and
sewer), moving company, post office, newspaper and magazines,
friends and family and change your mailing address. |
10. |
Pack
and move! |
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MidAmerican Home Services Mortgage has a broad array of products
that can fit the needs of almost any consumer.
Fixed-rate and adjustable-rate mortgages, VA, FHA, no down
payment and much, much more!
We explain each product clearly and help you decide which
one is the right one for you.
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| Click
the button to check out our great line of products! |
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Click
the button to apply
online for a home mortgage
from MidAmerican Home Services Mortgage.
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| Questions?
Comments?
Use this quick, easy way
to contact us or call us at
1-800-247-2430 |
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| Monday-Friday
8:00AM-5:00PM CST |
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Equal Housing Lender