Purchase Checklist

1. Determine your purchasing power by getting pre-approved.
(a) Getting pre-approved means determing your monthly mortgage payment and taxes and insurance and dividing it by gross income.
(b) If your total debts equals less than 45% you will qualify for the most loans.

2. Once pre-approved find a realtor with whom you like.

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Programs

No point, No fee Programs

“No points No Fees” refer to Lender Costs – (you will typically still incur other costs such as third party fees, recording costs and title fees.

- No closing costs
- Used to help finance a new home purchase
- No points no fees refer to lender costs
- Higher payments

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