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The Buying Process
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In order to assist you in purchasing your new
home, we have listed below several steps in the buying
process. These are either listed as questions you should
ask or processes you should know. If you have any
questions about the process, please contact us. Reading
through these topics will prepare you to:
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Ask the right questions
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Recognize your role in each process
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Not overlook any important step
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The overall process
includes:
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Research
the Sales Center
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How
long have they been in business
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Check
references
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Ask
around
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Ask
questions
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PREPARATION
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Size up your finances and make
sure you find the
best home for your home buying power.
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Determine how much you have saved up
for the down payment and closing costs. |
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Get an idea how much you can borrow by
using our loan
calculator. |
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Start gathering relevant financial
papers you will need for your application. |
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Check your credit report and make sure
there are no surprises. |
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SELECT FLOOR PLAN
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What size square footage will be needed for
your home? |
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How many bedrooms do you need now and in
the near future? |
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Do you need an extra room for a home office
or computer area? |
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How many bathrooms do you need? |
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Does the floor plan need to be mirrored in
order to accommodate the driveway? |
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Visit our Floor
plans page or come by our office and we will gladly
assist you. |
SELECT OPTIONS
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Do you want a fireplace? |
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Do you want kitchen appliances? |
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Do you want a patio or atrium door to an
outside deck? |
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Do you want TV and phone jacks installed? |
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Do you want smooth or textured ceilings? |
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Sit down with a sales consultant and review
options available. |
SELECT LAND
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Will the land need to be surveyed again? |
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Is the lot large enough to allow for required
set-backs on all sides of the house? |
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Does the lot accommodate a conventional
septic tank system? |
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Will the slope of the lot require extra
bricking? |
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Does the lot have proper drainage? |
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If you need land look at our Subdivisions
page. |
GET FINAL PRICE QUOTE
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Does the final quote include sales tax? |
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Are all improvements listed in detail? |
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Are crane fees and transportation costs
included in the price of the home? |
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Who will pay the closing costs of the loan? |
SELECT LENDER
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What financing options are available? |
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Is there a local loan officer
that you can deal
with? |
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How does a lender's rates compare to
others? |
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What is the lender's origination fee and
other charges? |
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Review various lender programs that will
work best with you situation. |
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See the type of
loans we have available and a list of our lenders. |
GET LOAN APPROVAL
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Make sure all of your documents are in
order. |
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Most lenders want to see a copy of W-2's
for the last 2 years. |
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Most lenders want to see paycheck stubs for
the last 30 days. |
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Most lenders want to see a copy of recent
bank statements for last 30 days. |
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Get pre-approved for a loan on our Financing
page. |
SELECT COLORS
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Choose colors and patterns for formica,
linoleum, carpet, cabinets, siding, shutters, shingles, and
fireplaces. |
ORDER HOME
Feel free to contact us by email
or telephone (252-443-1121) with any questions you may have.
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