We know as a first-time home buyer that you may have questions and want an expert to be there to guide you through the mortgage and home buying process. Our Mainstreet advisors will be there by your side helping you step-by-step in finding the right home and mortgage for you.Book a Meeting
Are you ready to become a home-owner? This is an important first-step to help equip you with mortgage know-how, what price range to use for your house search that fits your lifestyle and financial situation, what your savings plan will be over the coming months to get you to your goal, and more.
At this point, if you find a home you love, you can make an offer conditional on financing (and any other conditions you decide to include with your realtor). Your application is reviewed at your local branch so turn-around time for your finance approval can be obtained very quickly.
If your offer is accepted we’ve already done the pre-qualification step so your realtor just needs to send us the accepted offer paperwork and we can finish the mortgage process for you from here.
Important note: You might hear that you should get “pre-approved for a mortgage” it is important to know that you can get pre-qualification to spend a certain amount on a home: however, a full approval process involves taking your info, the actual details on the house you are buying and considering both together to get the full approval.
When you are searching for your first home it is important to know how much you can afford to pay each month to align with your lifestyle. We have calculators that can help you determine where to begin.