Home Purchase

Our philosophy is to not only build loans but build relationships, and help guide you through the steps necessary to achieve a successful real estate transaction.

Step 1: Get Your Finances in Order

Your credit reports are an ongoing summary of how you manage your finances. It is important to know exactly what your credit reports say about your financial history before you apply for a mortgage. Credit reports play an important role in the mortgage approval process. They determine the interest rate and other loan terms that a lender can offer you.  To avoid any surprises, take a close look at your credit reports before you apply for a loan.

Step 2: Get Familiar with the Mortgage Industry

Finding the right loan is crucial to creating a positive home buying experience. We can help you understand what is available to suit your needs. Our in-depth expertise will help you make an informed decision and  guide you throughout the entire process.

Step 3: Get Pre-Approved for a Mortgage

Do you know how much house you can afford?
Our Pre-Approval program can give you a competitive edge over other house hunters. Consider this scenario. A seller gets two similar offers. One is accompanied by a letter from GoGSF that states they are pre-approved for a mortgage in the amount of the offer. The other has no supporting documents. Which purchase offer do you think the seller will consider first?

Step 4: Determine Your Wants and Needs

Once you get familiar with your real estate market and narrow down your wants and needs, you’ll find buying a home isn’t as difficult as you might think.  Need some help? Our GoGSF purchase specialists can assist you every step of the way.

Step 5: Learn to Work with Real Estate Agents

Real estate agents represent buyers, sellers, or both–and in some states they can work as neutral facilitators for either party. It’s essential to understand agent duties and loyalties before you make that first phone call.

Wondering how much you can afford? Try our Affordability Calculator.

Call us today for more information on how a pre-approval can help you buy that home of your dreams!

1-800-444-RATE (7283)