The Road To Homeownership - Who Will I Encounter Along The Way? Whether you are buying your first home or your tenth, you will encounter many of the same people along the way. Listed below are a few of the professionals that will help put your dream home within reach. Lender Your journey should start at Best Advantage Credit Union. The mortgage professionals will help sort through the facts and answer your questions before you begin house hunting. We can pre-approve you for your mortgage - which means you will know up front what you can afford to spend on your new home. As you already know - most financial institutions offer mortgages. When choosing a mortgage lender, keep in mind that a mortgage is a long term commitment, therefor the relationship with your loan officer is a very important part of homeownership. Real Estate Agent Real Estate Agents are available to help make buying or selling a home an easy transaction. The Agent will show you homes within your price range, provide you with necessary information about each home, answer any questions you may have, and when the time is right, He or She will draft the Offer To Purchase. As with the lender you choose, it is important to choose a Real Estate Agent you are comfortable with. Keep in mind that Agents can represent either the buyer or seller. It's a good idea to distinguish right away who your agent is representing. Inspector You may choose to have a home inspection done prior to the close of your transaction. In fact, when writing an offer, it is perfectly acceptable to make that offer contingent upon an approved home inspection. The up front dollar amount it will cost may prove to save thousands later down the road. The home inspector you choose is separate from the appraiser your lender will use. The inspector will examine the property and point out problems &/or potential problems, while the appraiser is hired strictly to determine the market value of the property.
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