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Home Buying 101

Buying your first home is one of the biggest financial decisions you can make. From finding the best home loan rates to better understanding your home buying options, Numerica is here to help you fulfill your dream of buying a house.

Understanding where to start when buying a home and what lenders look at before giving a loan are some great resources to begin with.

As tempting as it is to just start looking for that dream home, pre-qualifying for a home loan helps you determine what home loan is perfect for you. Side note: Don’t get pre-qualification confused with pre-approval. Pre-qualifying is a ballpark figure, pre-approval accompanies the mortgage application for the specific home you want.

Now, let’s start making that house a home.

After you find the home of your dreams, tackle the next step and apply for a mortgage. When you have that home in your sights, having all the documents you need helps keep the loan moving forward. Since the application makes things legally binding, you don’t want anything to fall through because you missed something as simple as having your most recent pay stub.

Take a look at the Mortgage Loan Application Checklist so you can make sure you aren’t hunting for documents at the last minute.

Whether you are looking for some of the best home loans around or a skilled professional to help you make your financial dreams a reality, a Numerica expert can help!

Today's Rates

July 21, 2017

Certificates

as high as 1.50% APY

Visa Rates

as low as 8.99% APR

Mortgage Rates

as low as 3.74% APR

Auto/Truck (New/Used)

as low as 2.74% APR

Sequel Checking

1.35% APY

Home Equity Line of Credit

as low as 4.50% APR

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