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Home Purchase Basics
Congratulations on your decision to
buy a new home! There are many important things to consider
throughout the process, especially if you're a first-time homebuyer.
Here's some information that will keep you on track.
In General....
A home purchase may be your largest financial transaction to date,
so it's important to make the right decisions and to keep an eye on
the details. With the assistance of your Real Estate Agent and Loan
Officer, it should be an efficient, pleasant, and ultimately
rewarding experience.
Count On Your Real Estate Agent To:
- Preview available homes to weed out those that
are overpriced, or undesirable in some other way.
- Present the homes that suit your needs as
you've defined them.
- 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.
- Negotiate the best deal for you. With a
Pre-Approval letter from Sunrise Mortgage Company 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 Us To:
- 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!)
- Keep you informed of your loan status
throughout the entire process.
- Keep your Real Estate Agent informed of our
loan progress (Note: your personal information is always kept
confidential between you and Sunrise Mortgage Company; only deal
points and progress are shared).
- Get the appropriate loan for you at the best
rates and fees. This will save you significant money "up front"
and throughout the years to come.
We Will Count On You To:
- Keep your Real Estate Agent informed of any
questions or concerns as they develop.
- 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.
- Enjoy purchasing your home, but remain
objective throughout in order to make the business decisions that are
best for you.
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