Here’s what you need to know as you embark on your homebuying journey:
1. Understand Your Budget
Before you start looking at homes, it’s crucial to determine how much you can afford. Take a close look at your income, expenses, and savings. Consider not just the purchase price of the home but also additional costs like property taxes, insurance, and maintenance.
2. Get Pre-Approved for a Mortgage
A pre-approval shows sellers that you’re serious about buying and gives you a clear picture of what you can afford. This step can also streamline the process once you’ve found your dream home.
How We Can Help:
Stop by one of our 18 local branches and get pre-approved! Our First-Time Home-Buyer Program is a great option for those looking to purchase their first home.
Ready to apply? https://www.mortgageclick.org/apply.asp
3. Know What You Want
Make a list of your must-haves and nice-to-haves. Consider factors like location, square footage, number of bedrooms, and proximity to work or schools. Being clear about your priorities will save you time and help you focus on homes that fit your lifestyle.
Pro Tip:
Attend open houses or take virtual tours to get a feel for different types of homes and neighborhoods. This can help refine your preferences.
4. Work with Trusted Professionals
Buying a home involves several steps and professionals, including real estate agents, home inspectors, and lenders. Surround yourself with a trustworthy team to guide you through the process.
How We Can Help:
Atomic Credit Union is more than just your lender. We’ll connect you with experienced professionals, answer your questions, and keep you informed every step of the way.
5. Understand the Closing Process
Closing on your first home can be complex, with paperwork and fees that might be new to you. Knowing what to expect can reduce stress and help you prepare for the final step in your journey.
How We Can Help:
At Atomic Credit Union, we’ll ensure you understand all the terms and fees so you can close confidently.
Why Choose Atomic Credit Union’s First-Time Homebuyer Program?
We’re committed to helping first-time buyers achieve their dreams of homeownership.
Buying your first home doesn’t have to be intimidating. With Atomic Credit Union by your side, you’ll have the support and guidance you need to make informed decisions and find the home of your dreams.
Ready to Start Your Journey?
Apply today: https://www.mortgageclick.org/apply.asp