Buyers | Regenia Mangram

BUYERS RESOURCES

SEARCH FOR HOMES

STEPS TO BUY A HOME

01.

Consultation

Schedule an appointment with me to discuss your needs and goals.

02.

Get Pre-approved

Obtain a pre-approval letter from a lender to set your budget and strengthen your offer.

03.

Home Search

Find and visit homes that meet your criteria.

04.

Make an Offer

Submit your offer, along with earnest money, to show your commitment.

05.

Closing

Complete the process by undergoing inspections, a title search, and securing homeowner’s insurance, then finalize everything at closing.

PRE-APPROVAL PROCESS

CHECK YOUR CREDIT SCORE

GATHER YOUR DOCUMENTS

You’ll need to provide documentation that shows your financial health. Common documents include: • Recent pay stubs (30 Days) • Recent 2 months of bank statements • Driver License • W2s for 2022 and 2023 • Tax returns for 2022 and 2023 • Recent retirement account statement • any other asset and income documentation such as child support, social security, pension, etc.

Before you begin, take a look at your credit score. A higher score can help you qualify for better interest rates. If needed, work on improving your score to boost your approval chances.

CHOOSE A LENDER

SUBMIT YOUR APPLICATION

Find a trusted lender or mortgage broker to guide you through the process. If needed, I can introduce you to one of my reliable lending partners to help you get pre-approved!

Once you’ve gathered your documents, submit your mortgage pre-approval application. This includes your income, employment, and credit information, so the lender can assess your eligibility.

GET YOUR PRE-APPROVED LETTER

If all goes well, the lender will issue a pre-approval letter outlining the loan amount you qualify for. This gives you a clear price range for your home search and strengthens your offer to sellers.

REVIEW THE TERMS

Make sure you understand the terms, including the loan amount, interest rate, and any conditions. This will help you plan your budget for homeownership.

START SEARCHING FOR YOUR NEW HOME

With your pre-approval letter in hand, you’re ready to start looking for your dream home with confidence!

Fast-Track to Homeownership Essentials

Start with the pre-approval process! It shows lenders your financial picture, helps set your budget, and gives you a competitive edge when making an offer. Let’s get you pre-approved and ready to shop!

Pre-approval Process

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Whether you're a first-time buyer or looking for a new space, I'm here to guide you every step of the way! Let's make those homeownership dreams a reality.

Search for Homes

My Home Buyer’s Guide has you covered—from pre-approval to closing! Let’s make your homeownership journey smooth and easy. Download your guide today!

Home Buyers Guide

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Curious about how much home you can afford? Check out my mortgage calculator! It’s a quick and easy way to estimate your monthly payments and get a clear picture of your budget.

Mortgage Calculator

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Schedule an Appointment

Whether you're a first-time buyer or looking to upgrade, I’ll walk you through each step to ensure a seamless journey to homeownership.

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