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What to Expect When Buying

What to Expect When Buying

If you are a first-time home buyer, there are a few things you should expect to encounter during the process. Being prepared can make all the difference when buying your first home. Here are a few examples of what to expect when buying a house:

Several different mortgage products to choose from:

This is a good thing, for the most part. Even if you are a borrower in an ideal situation, you may be better suited for one type of purchase loan over another. When you speak with us for a pre-approval consultation, our friendly staff can help you understand which type of home loan would be best for you.

Additional fees:

The reality is that the sale price of the home does not include the assortment of closing costs that you could be responsible for. As your lender, we aim to make you aware of as many of these fees as possible before the time comes to pay for them. Home Loan Solutions will work with each client to structure a loan with the lowest possible cost matched with the lowest possible interest rate. Be sure to ask us how you can most easily structure these fees during the loan process.

Getting your offer accepted can be challenging:

Based on our experience, we believe that making an aggressive initial offer on a home is a vital key to getting a seller to accept your offer in today’s market. The housing market has evolved over recent years and in most cases you will be competing with other buyers. Sometimes several. Your real estate agent should have the knowledge and experience to help you navigate these waters. Our job as your lender will be to assure that loan time frames are always met, and to assure that you secure financing on the home of your dreams.

When you know what to expect when buying a house, you can be a better prepared, more confident home buyer and mortgage borrower. For more questions about buying your first home, contact Home Loan Solutions today.

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After shopping around and talking to different lenders, we decided to go with HLS. Their service exceeded our expectations, and we can now proudly say that we are customers for life!

Brian and Jennifer Heaney

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