Free homebuyer resource

Your journey begins with the right information.

The Homebuyer’s Mortgage Guide. No pressure. Just helpful information to help you move forward.

Step 01

Start with your budget

Look beyond the monthly mortgage payment. Consider property taxes, insurance, potential mortgage insurance, association fees, maintenance, and an emergency cushion.

  • Review income and recurring debt payments.
  • Consider your down payment and closing costs.
  • Choose a monthly housing budget that fits your life.
Step 02

Understand your options

The right program depends on your goals and financial situation. Compare rates, terms, upfront costs, mortgage insurance, and eligibility—not just the monthly payment.

  • Learn the difference between prequalification and preapproval.
  • Compare conventional and government-backed programs.
  • Ask what credit inquiry is needed before authorizing it.
Step 03

Get your documents together

Requirements vary by lender and loan program. Your mortgage professional can tell you which documents apply to your circumstances.

  • Recent income documentation and employment information.
  • Bank statements and information about your assets.
  • Identification and details of current debts.
Step 04

Prepare for closing

Appraisal, underwriting, and final documentation are part of the path to closing. Timelines vary, so stay in touch and respond promptly to requests.

  • Review your Loan Estimate and Closing Disclosure.
  • Ask questions about terms, fees, and cash needed to close.
  • Verify any wire instructions through a trusted, independently confirmed contact.

General educational information only. Not a loan offer, credit decision, or financial advice. Loan terms and requirements vary.

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