We have buyer packages available to help you through the maze of finding the home that is just right for your family. Call to make an appointment, and we'll prepare one specifically for you.

The first step for a new buyer is to get pre-qualified. Most lenders can pre-qualify you for a mortgage over the phone, but it is better to choose a local bank or mortgage company, make an appointment and talk with a loan officer personally. Doing this does not commit you to a particular lender. Once you put a home under contract, you can choose the best lender and rate for your situation.

Based on general questions about your income, debt, assets and credit history, lenders can estimate the amount of mortgage for which you qualify. This allows you and your real estate agent to know what price range is best for you and puts you in a better position when making an offer on a home. It gives you credibility as an interested buyer and lets the seller know immediately that you should qualify for a loan to buy their property.

In addition to being pre-approved, it's important to use a legitimate lender. These include: banks, mortgage bankers, credit unions, savings and loan associations and mortgage brokers.