HOME PURCHASE PLAYERS

Buying a home may be the largest purchase you ever make!  It is very important to make the right decisions for you and your family.  With the help of your real estate agent and mortgage broker you can be sure this experience will be both exciting and rewarding for you!

What will my real estate agent do for me?

• Search for available homes that meet you and your family's predetermined needs and weed out those that are overpriced or otherwise not up to your standards.

• Present homes that offer what you are looking for (bedroom/bathroom count, style of home, garage, school district, etc.)

• Help you spot the difference between a "good buy" and a home that you might have trouble selling later due to a declining neighborhood or near a busy railroad track or highway.

• Negotiate the best deal for you, including closing cost and prepaid items with your offer, and submit a pre-approval letter from American Mortgage & Financial Solutions, Inc. to show that you are a qualified borrower.

What will my mortgage broker do for me?

• Assist you with qualifying for the best loan to meet your personal needs.

• Communicate with your real estate agent about what you are approved for financially.

• Keep you informed of the loan process and what stage you are at each step of the way.

• Keep your real estate agent informed of what stage you are at each step of the way.

• Work directly with underwriters for income documentation, employment verification, past housing verification, appraisals & title insurance.

• If you are a first time home buyer, help you find the best rate for home owner's insurance and help you set up an escrow account.

• Give you a great loan with the best rate and fees to save you money up front and for many years to come.

What can I do to help myself?

• Keep your real estate agent informed of any questions or concerns that you may have.

• Provide accurate information to your mortgage broker and any documentation they may require as soon as possible.

• Enjoy buying your home, remain objective and make the best decision for you and your family.

• Put financing behind you so you can concentrate on selecting your home in your predetermined comfort range.