A home purchase may be one of your largest financial commitments in life, so it's important to make the right decisions and pay attention to all of the details. With the assistance of your real estate agent and mortgage lender, it should be an efficient, pleasant, and ultimately rewarding experience.

Your Real Estate Agent Should:

1. Present the homes that suit your needs as you've defined them.
2. Negotiate the best deal for you. With a pre-approval 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!

Your Mortgage Lender Should:

1. Assist you in selecting the best loan to meet your personal situation and goals. This single decision can save you thousands of dollars throughout the years!
2. Keep you informed of your loan status throughout the entire process which allows you to keep your real estate agent informed.
3. Get the appropriate loan for you at the best rates and fees available.

You Should:

1. Keep your real estate agent informed of any questions or concerns as they develop.
2. Keep the process moving by providing documentation and decisions as soon as reasonably possible. By doing so, many of the details are taken care of early in the process so you can comfortably concentrate on any last-minute details or events that require your attention.
3. Enjoy purchasing your home, but do remain objective throughout to make the business decisions that are best for you.
4. 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.