Congratulations on your decision to buy a new home! 

There are many important things to consider throughout the process, especially if you're a first-time homebuyer. Here's some information that will keep you on track.

In General....

Purchasing a home  may be your largest financial investment!   It's important to make educated decisions and to keep an eye on the details. With the assistance of your real estate agent and loan officer, it should be an efficient and ultimately rewarding experience.

Count on your real estate agent to:

1. Preview available properties to select those which fit your description & pricing.
2. Show you homes that suit your needs as you've defined them.
3. Help you determine what is a "good buy".
4. Negotiate the best deal for you on the property.
   
   With a Pre-Qualification letter from us in hand, you demonstrate that you are a qualified and capable borrower.  (This may strongly influence the Seller, and could be the difference between them accepting your offer or someone else's -- even if your offer is lower!)

Count on your State Central loan officer to:

1. Assist you in selecting the best loan in line with your personal finances and goals.
   (This single decision can save you thousands of dollars over the years!)
2. Keep you informed of your loan's status throughout the entire process.
3. Keep your agent updated on the loan's progress.
   (Note: your personal information is always kept confidential between you and us; only deal points and progress are shared).
4. Get the appropriate loan for you at the best rates and fees!

Count on Yourself To:

1. Keep your real estate agent informed of any concerns that may develop.
2. Provide documentation and decisions as soon as reasonably possible.
   By doing so, many details are taken care of early in the process, rather than last minute.
3. Stay objective. Make decisions that are best for you.
4. Get pre-approved as early as possible. This will put the power of financing behind you!