Are you preparing to purchase a home? In today’s post from United Mortgage Group, we are going to discuss how to begin the mortgage process — and how we can help.

Read on to learn more, and when you’re ready to purchase a home in Alabama or Florida, reach out to United Mortgage Group.

Ensure Your Financials Are in Order

Once you’ve decided that you would like to purchase a home, you’ll need to check in on your finances, specifically your credit score, the amount you have towards a down payment, and how much you will be able to pay each month. Different types of mortgages require varying credit scores and down payment amounts. Knowing where you stand and what you can afford upfront will help you sort through the types of mortgages much easier and decide which is right for your situation.

Research Mortgage Lending Companies

Once you have your finances in order, it’s time to choose a mortgage lender. You’ll want to find a lending institution that is reputable and offers several types of mortgages so that you can choose the one that is best for you.

One of the best and easiest ways to find the right mortgage lending company — and the right mortgage is by working with a mortgage broker like Gwynne Price at United Mortgage Loans. This allows you to receive the personalized service you deserve while you compare mortgages and receive advice from someone who has the experience and expertise to guide you in the right direction.

Get Pre-approved for a Mortgage

If you are working with Gwynne and United Mortgage Loans, the next step is easy. You’ll fill out our online application, answering a few questions about your finances and desired home purchase price, and we’ll get you pre-approved quickly and for free.

When looking to buy a home, the pre-approval process is essential. This is where you will find out exactly how much home you can afford and the types of mortgages available to you.

Find Your Dream Home and Close!

After you’ve been pre-approved and you know your price range, you can connect with a real estate agent and start looking at homes! Once you decide on a home and make an offer, the lending institution will finalize your mortgage and you’ll begin the closing process. When you work with Gwynne and United Mortgage Loans, you’ll have someone by your side to walk you through this process.

Get Pre-approved and Find Your Dream Home Today

Are you ready to buy a home in Alabama or Florida? Whether you’re a first time home buyer, looking to upgrade, or to downsize, United Mortgage Loans is here to help. Reach out to Gwynne Price today to get started!