We currently service all of Florida for any of your Mortgages Needs. With over 30 years of experience and access to multiple banks we can find the product for you. But, we expecialize in the following 2 counties Palm Beach County & Broward County.
We know that every dream has a starting point. Purchasing a home can feel like a bunch of big decisions all at once, especially for a first-time homebuyer. Luckily, we work with homebuyers every day, answering all the big questions about homeownership, and we want to pass our 30+ years experience, knowledge and home-buying tips on to you.
Talk to one of our loan officers to ask anything and everything you want to know about the home-buying process. 561-777-7622
Palm Beach County
CLICK TO VIEW | Cities in Palm Beach County
Lake Clarke Shores
Palm Beach Shores
South Palm Beach
North Palm Beach
Palm Beach Gardens
Jupiter Inlet Colony
Royal Palm Beach
West Palm Beach
CLICK TO VIEW | Cities in Broward County
Sea Ranch Lakes
Lauderdale By The Sea
8 steps to buying your first home
Get pre-approved for your mortgage
It’s important to find a loan officer who can get you preapproved for your budgeted amount. You can then begin your search for your dream home knowing what you can afford. Sellers like buyers who are preapproved.
Though the process is pretty straightforward, it does require that you gather documents such as identifications, bank statements, plus income and asset statements.
Make an offer on the right house
Once your research and Realtor have helped identify the home that’s just right for you, it’s time to put your preapproval to work; it’s time to make an official offer. Don’t worry, it’s a nervous time for everyone. Take a deep breath, trust your instincts and enjoy the moment.
Get the home appraised
The lender ultimately needs to determine if the house you’re buying is worth the price you’re paying. To do this, they perform an appraisal of the property to evaluate if the home’s value matches (or exceeds) the amount of the loan.
If it doesn’t, then you’ll need to talk to your loan officer about your options.
Sign the papers to close the sale
Assuming the appraisal is favorable, then you’re just a few signatures away from making this house your home. These documents will legally bind you and the seller to the terms, as well as initiate the transferring of funds that makes your first-time homebuyer loan official. Congrats!