Buying a Home

If you would like to buy a home, Lighthouse can help!

Most home buyers need to get a mortgage loan in order to buy a home. There are 3 basic requirements that need to be met when seeking a mortgage:

1) You must work full time.

2) You must have a certain minimum credit score.

3) You must have some savings to cover downpayment and closing costs.

You are allowed one free credit report per year. These free reports are available online. You can also call our office for a referral to a mortgage lender who can pull your credit report,  review it with you and come up with a game plan to make it stronger, if necessary.

If you need time to get your credit in good shape, no problem. Consider opening a savings account while you’re working on improving your score. There are several banks that offer special savings accounts for home buyers, matching your deposit dollar for dollar or better. This is a great way to accumulate some “free” money while saving for a home and getting your credit score in shape.

When you’re ready to go, we’re ready to start the hunt for you. We’ll meet with you to create a “wish list” of features you’d like your new home to have.  We’ll help you find a home that fits your “wish list” and budget.  When you find the home that’s right for you, we’ll negotiate the best price.  We’ll help you write a purchase offer, secure a mortgage and work with your attorney.

It will be a great and exciting time for you; we’ll help guide you through.