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Deciding to buy a home is a big decision and one of the largest investments most people make. There is a lot to consider, and it can be somewhat overwhelming. Here are some step-by-step explanations of the purchasing process and important notes that we hope you find helpful.
Make a list: What matters most to you?
There are many things to consider before beginning the process of buying a home — such as what’s driving your decision. Putting your reasons on paper in order of importance will be helpful in finding the right home. Ask yourself questions such as the ones below and add anything that is influencing your decision to buy:

  • Do you need more or less space?
  • Is your decision financially driven?
  • Are you tired of your commute?
  • Are you trying to change school districts?
  • Do you want to own a rental property?

Gather your info: These are documents you’ll need to have handy.
Locating these items ahead of time and compiling them into one file will make your process easier in the long run.

  • Financial statements
  • Bank account statements
  • Investment documents
  • Credit card statements
  • Auto loan statements
  • Recent pay stubs
  • Tax returns for two years

Copies of leases for investment properties
401(k) statements, life insurance policy documents, stock and bond statements, and mutual fund account information
It is also a good idea to know your credit rating and avoid large purchases or changes in employment during this time.

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