Buying a home can be a quick, easy process. As a homebuyer, there are certain things you can do to help things move forward smoothly. Below are a few recommendations to keep in mind to simplify your home buying journey.
- Figure out your budget. The sooner you can come up with a realistic estimate of how much home you can afford, the better. With this estimate, you can streamline the process of finding your perfect home since you will not waste time touring properties that you cannot afford to purchase.
- Work with the right mortgage company. The mortgage company you work with is going to make a massive difference when it comes to what the mortgage process is like. If you work with a company that is a good fit for your needs and which offers dedicated customer service, the mortgage steps will go by quickly and smoothly.
- Get pre-approved. With a letter of mortgage pre-approval, you will know how much you will be able to borrow, and you will be able to negotiate readily when you do find your dream home. It only takes a few minutes, and we use a soft credit pull.
- Raise your credit score. There are some quick steps you can take to enhance your credit score before you begin applying for a mortgage. During your consultation, we can give you personalized tips. With a higher credit score, you may be eligible for lower rates, which may make budgeting for a home easier.
- Be realistic, but let go of your limiting beliefs. While you should be realistic about buying a home and what you can afford, a lot of homebuyers have limiting beliefs that are grounded in misconceptions or simply result from not being aware of their options. If you do not have a perfect credit score or enough money for a 20% down payment, do not give up. We can help you buy a home with a mortgage product that is right for you.
- Always check your messages. During the mortgage process, it is smart to keep an eye on your messages (email, phone or texts, depending on what you decide to use). That way, if we need further documents from you to move the process along, you can provide them immediately. With rapid communication, there will be minimal delays, and you can look forward to closing quickly.
Buy a Home in Kansas City or Beyond
The mortgage process may sound complex, but it can be easy if you go in prepared. Please give us a call now at (816) 631-9687 to schedule your consultation. We can help you buy a home in Missouri or 30 different states.
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