The first step to buying a home is securing financing. Read through the articles below to get started!

How to get pre-approved for a mortgage

Many agents and sellers require that you provide proof that you can buy a home before you can view their home. Click on the link above to get more information on how to get pre-approval. Call your lender/bank to get started.

How much house can I afford?

How much can you spend on a home? What monthly payment fits into your budget? Click on the link above to see your price range.

What are closing costs in North Carolina? South Carolina?

Closing costs vary by state and situation. Click on the links above to get an overview of the closing costs in each state. Your lender and/or closing attorney will provide you with a complete list of closing costs based on your unique purchase.

What loan programs are available for me?

There are different types of loans that may be available to you. Click on the link above to see an overview of the loan types. Call your lender/bank to get started.

I don’t have money for a down payment. Can I still buy a house?

Both North and South Carolina have programs to help home buyers in this situation. Click on the link above for an overview of the available programs. Call your lender/bank to discuss how you can apply.

Can I use my tax refund as a down payment?

Click the link above to see how you can use your tax refund for a down payment or to improve your credit.

What happens after the seller accepts my offer?

Congratulations are in order! You made an offer and the seller accepted! You are on your way to owning that new home. What happens now? Click on the link above for a broad overview of what happens between offer acceptance and closing. For more info on how it works in NC and SC, contact me!

What is a home inspection and why do I need one?

A home inspection lets you know the condition of the home before you buy it. An inspection can alert you to issues with the home that may need to be fixed before you buy it. Click on the link above for more information.

What is an appraisal?

An appraisal is a professional opinion of the home’s value. The bank or lender you chose to work with will hire an appraiser to evaluate the home you’d like to purchase. Click on the link above for a more thorough explanation.