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The Homebuying Process

Before you can imagine moving into your new home, you’ll need to move through the steps of securing a loan.

Exterior of a blue home going through the homebuying process.

Finding your first-home fit

You’re starting a thrilling journey! Let’s explore what you and your family are most excited about when you’re ready to buy a home. 

Pre-qualification vs. pre-approval

Knowing the difference is an important step in the approval process. Why? It’ll help you and your mortgage lender determine your ideal buying price range.

Pre-qualification Pre-approval
Snapshot of finances Deep dive into finances
General estimate of what you may be eligible to borrow What you actually qualify for
No formal application or credit check Application and credit check required (hard hit)
Great way to begin house-hunting Required for formal offer on a home
Needs updated every ~30 days Good for 30-90 days

Ready to buy your dream home?

Get pre-approved now to find out how much you can borrow.

Finding a real estate agent

Knowledgeable and trustworthy real estate agents can make a significant difference in your experience.

First-time homebuyers meet with real estate agent in office.

The home search process

Your agent can help you be realistic about wants vs. needs. There’s a home waiting out there that will fit what you’re looking for!

Ready to make an offer

Once you’ve found your dream home, work with your agent to negotiate and schedule a home inspection. Home sale agreements typically include loan contingencies read about them below.

Clipboard shows rendering of a home floor plan.

Start your home loan journey

Complete our pre-approval form and see how much you can borrow.