Another item to note: you will want to take to a mortgage professional that you choose....not just the lender that a new home builder recommends. When you are looking at new construction, the sales person for the builder will likely tell you that if you use their lender you will get a better deal on the home. Please be cautious because ususally the money that you save on the sales price of the home is made up in fees that the lender charges. It really is in YOUR best interest to shop around for your mortgage. Lenders can/will provide you with estimates of their fees so that you can make sure you are making the best choice for you and your husband.
As Sam Young below indicated, most Realtors will give you a good recommendation on a few lenders to call. Realtors work with lenders on a daily basis and know which ones have good customer service, good prices on their fees, and who can get you into your new home with the least amount of stress.
I highly recommend that you find a Realtor you can trust, and use the service providers that they recommend....that way everyone will be working on the same team for your benefit.
We would love to assist you now and into the future.
Coldwell Banker Jane Henry Realtors
North Texas Top Team, Realtors
Coldwell Banker Jane Henry, Realtors
Accredited Buyers Representative
Hopefully, you have money for down payment so you can get some of the best pricing we've had in years and the best mortgage interest rates in quite a long time.
Here's a link to a good article for first-time buyers. http://rowlett-realty.com/buying/prequalifying/ Just call me if you have any questions or just want to discuss your plans.
First thing we need to do is to get you to a lender.
They're the ones that make the decision.
It's free to get prequalified.
If you're not ready yet, they'll give you the steps to work on.
It really depends on so many things, like debit, income, job history, and credit history.
The other thing I suggest is to not buy a house until you actually get married. Maybe a year after you get married. It's stressful enough with new careers, new jobs, marriage, and move, to then add the stress of a house to it. Sure we've seen people do it successfully, but also so many struggle. It will all come with time.
Sounds like you have a lot of good questions and need an agent to work with. Please let me know if I can be of service. I work with a majority of first and second time home buyers. Thank you!
There are no strings attached but as always we are looking for great home buyers and sellers in the Greater San Francisco Bay Area. So if you like what you read like us on facebook/aboutredwoodcity or join our blog.
Helping home buyers and sellers with their homes since 1976.
Best of luck and God Bless!
Give me a call if you need more information.
The Chris Hutchinson Team
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