Purchasing a home may be your largest financial transaction to date, so it's important to understand the basics of the mortgage process and feel confident with the decisions you make. With the assistance of your mortgage originator and real estate agent, it should be an efficient, pleasent, and ultimately rewarding experience.

Count on your mortgage originator To:

1. Assist you in selecting the best home loan to meet your perosnal needs with the lowest rates and fees. (This single decision can save you thousands of dollars throughout the years!)

2. Keep you and your real estate agent informed of your loan status throughout the entire process. ( Note: your personal information is always kept confidential between you and us; only deal points and progress are shared).

Count on your real estate agent to:

1. Preview available homes that suit your needs as you have defined them.

2. Help you determine the difference between a "good buy" and a property which, because of its nature (neighborhood, market appeal, etc.), might have to be discounted if you decide to sell in the future.

3. Negotiate the best deal for you. With a pre-qualification letter from us in hand, your real estate agent will be able to demonstrate that you are a qualified and capable borrower. This will strongly influence the seller and may make the difference between the seller accepting your offer or someone else's--even if your offer is lower!

Count on yourself to:

1. Make sure you are pre-approved as early as possible. This will put the power of financing behind you so you can concentrate on selecting your home

2. Keep your real estate agent informed of any questions or concerns as they develop

3. Keep the process moving by providing documentation in a timely manner. By doing so, many of the details are taken care of early in the process.