The Homebuyer's Guide
with AMC Mortgage
Buying a home is an exciting milestone, but it can feel overwhelming if you don’t know where to start. Whether you're just exploring your options or ready to take the next step, AMC Mortgage is here to walk you through the process with expertise, care, and a local touch.
Why Choose AMC Mortgage?
No unnecessary fees
A variety of loan options
In-house processing
A team that truly cares
Where Do I Start?
Starting the home-buying process can seem overwhelming, but breaking it down into steps
makes it much more manageable. Here's a simple summary of how to begin:
1
Assess Your Finances
- Check your credit score (aim for 620 or above).
- Review your savings for a down payment and closing costs.
- Calculate your debt-to-income ratio to see how much you can afford.
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2
Get Pre-Approved for a Mortgage
- Choose a lender and get pre-approved. This will help you understand your budget
and show sellers you’re a serious buyer. You’ll need documents like pay stubs, tax
returns, and a credit check.
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4
Choose a Real Estate Agent
- Work with an experienced agent who can guide you through the process, help you
find the right home, and negotiate on your behalf.
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3
Determine Pre-Approved for a Mortgage
- Aim to spend 3-5 times your annual income on a home.
- Factor in closing costs, taxes, insurance, and ongoing home maintenance.
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5
Start House Hunting
- Define your must-haves and priorities (location, size, etc.).
- Tour homes and make notes on what you like and dislike.
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6
Make an Offer
- Choose a lender and get pre-approved. This will help you understand your budget
and show sellers you’re a serious buyer. You’ll need documents like pay stubs, tax
returns, and a credit check.
Ready to Take the Next Step?
Buying a home is a big decision, but you don’t have to navigate it alone. The experts at AMC Mortgage are here to guide you every step of the way, ensuring a smooth and stress-free experience.