Things to Consider When Buying a Home

There are a lot of factors to consider when buying a home, including financing, price, location and features. The home financing experts at AmeriSave Mortgage Corporation are ready to help in 5 easy steps.

  • Step 1

    Search rates and products, and talk to one of our licensed Loan Originators.

  • Step 2

    Complete a pre-qualification or pre-approval application.

  • Step 3

    Find a home that meets your needs.

  • Step 4

    Make an offer on a home and include your pre-approval letter to show the seller that your offer is serious. A real estate agent is particularly helpful in negotiating offers.

  • Step 5

    We arrange for you to close your loan at a location convenient to you and the seller.

To speak with a licensed Loan Originator or to get started with your application, call us at 866-514-7283.

Get Pre-Approved Before Shopping For A Home

Knowledge is power! Pre-approval comes with many benefits:

  • Your pre-approval lets you know how much we’re prepared to lend you for your home purchase
  • You have a rough estimate of your monthly payment
  • It’s a hot housing market and offers by pre-approved buyers are taken more seriously
  • A pre-approval should also allow your loan to close more quickly, another factor sellers take into consideration
  • Finally, AmeriSave will be here to support you throughout this awesome journey!

Do’s and Don’ts of Pre-Approval

Once you’ve received a pre-approval, it’s very important not to drastically alter your financial profile. Follow these helpful tips below for a smooth mortgage process.

Do:
  • Do call us with any questions!
  • Do stay current on your existing accounts.
  • Do keep all existing credit card accounts open.
  • Do retain income records, bank statements and all deposit records.
  • Do use your Loan Estimate (LE) to compare offers from other lenders.
Don’t:
  • Don’t apply for new credit of any kind.
  • Don’t max out or overcharge existing credit cards.
  • Don’t make any large purchases.
  • Don’t make any large undocumented deposits into any of your accounts.
  • Don’t modify the sales contract without speaking to us.

If you have any questions, call us now to speak with your licensed Loan Originator – 866.514.7283

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