New Home Buyers ChecklistDos:

 

  • Work with a Real Estate professional.
  • Prior to shopping for a home get pre-approved for your loan from Mitch Cochran.
  • Verify the cost of taxes and insurance before signing a contract.
  • Find out what you can afford, not just what you qualify for.
  • Check for criminal predators at www.fdle.state.fl.us.
  • Get referrals for home inspectors and insurance companies from your mortgage professional.
  • Check the school districts in your area.
  • Drive through the neighborhood at different times of day.
  • Ask questions until you are 100% comfortable with the process.
  • Build a level of trust with the professionals you are working with.

 

Don'ts:

 

  • Change your spending habits or credit profile after application (buy a car, furniture, etc.).
  • Quit or change your job.
  • Focus on interest or payment amounts only. Consider the "big picture."
  • Take advice from non-industry professionals.
  • Negotiate a "For Sale By Owner" without a Real Estate Professional.
  • Buy more home than you can afford.
  • Go it alone.

 

Loan Types

  • Conforming Loans >

    Conforming Loans Read More
  • Fannie-Mae Loans >

    Fannie-Mae Loans Read More
  • FHA Mortgage >

    FHA Mortgage Read More
  • First Mortgage >

    First Mortgage Read More
  • Freddie-Mac Loans >

    Freddie-Mac Loans Read More
  • HARP Loans >

    HARP Loans Read More
  • HELOC Loans >

    HELOC Loans Read More
  • Home Loans >

    Home Loans Read More
  • HomePath Mortgage >

    HomePath Mortgage Read More
  • Jumbo Mortgages >

    Jumbo Mortgages Read More
  • Line of Credit >

    Line of Credit Read More
  • Mortgage Loans >

    Mortgage Loans Read More
  • Purchase-Money Mortgage >

    Purchase-Money Mortgage Read More
  • Refinance Loans >

    Refinance Loans Read More
  • Reverse Mortgages >

    A reverse mortgage is a loan that enables senior homeowners, age 62 and older, to convert part of their home Read More
  • Second Mortgage >

    Second Mortgage Read More
  • VA Mortgage >

    VA Mortgage Read More
  • 1