1. Determine how much home you can afford. You can do this by using my Mortgage Calculator.
2. Conduct a preliminary search with my Property Search. You may even want to save some of your searches and schedule home showings online.
3. Contact a Mortgage Consultant and get your mortgage pre-approved.
4. Contact me at 205-948-4108
to look for a house that meets your needs.
5. Once you find a home on which you want to make an offer, you'll sign a purchase agreement and give the seller earnest money to seal the deal. If your offer is accepted (sometimes with contingencies), determine a date you wish to close.
6. Have your new home inspected to ensure there's nothing seriously wrong with the property. It’s also a good idea to get homeowner’s insurance to protect yourself against any unforeseen calamity.
7. Notify your loan officer that you've found a property so they can begin the appraisal and title process. And, lock in your interest rate. Your loan officer will send you a new good faith estimate which shows your monthly mortgage payment as well as your estimated cash needed for closing. The title company will notify you of the time and date you close on your home and the items you'll need to bring to closing.
8. Notify your phone company, utilities (don't forget water and sewer), moving company, post office, newspaper and magazines, friends and family (see our moving checklist) and change your mailing address.
9. Pack and move!