Ready to Purchase Your Home?
We’re here to help you purchase the home of your dreams. We know that buying a home is one of the most important decisions you will make. Few things give you more pride than owning your own home, and you will probably make no greater single investment in your lifetime. We want to help you make that dream come true. There are many different types of loan programs you can choose from, and the best loan program for your neighbor may be different than the one that is right for you. From getting pre-approved to finding the perfect home, understanding the home buying process can help give you peace of mind. So can partnering with a mortgage lender you can trust. Put our expertise to work for you. Whether you’re building or buying your home, FBC is here to help you along the way!
1. Get Pre-Approved
The first step is getting pre-approved. Pre-approval for your home loan considers your household income and payment history before determining how much of a loan you qualify for. Online pre-approval applications like ours have become a simple and secure way to qualify.
Home buyers can qualify for a variety of loan programs, and there are different types of loan programs you can choose from. Choosing the loan that’s best for you takes time, knowledge, and experience.
2. Find Your Home
Once you’ve been pre-approved for your loan, it’s time to start shopping! You can decide whether to build your home or buy a home that’s already on the market, and work with a real estate agent or New Home Builder to help you find the perfect fit. Once you’ve found your home, it’s time for you to make an offer.
3. Loan Process
Once your offer has been accepted, it’s time for FBC to get to work! Your loan application is reviewed to make sure all the required documents for your loan are in. Most buyers will schedule a home inspection to audit the condition of the house in case there are any issues. Appraisal will also happen during this time, conducted by an independent third party to establish the market value of the home, ensuring that the house is worth the value that you are paying for it.
Finally, your loan application is verified by an Underwriter, who performs a detailed analysis of your financing and your loan’s requirements. You may need to provide documentation, so it’s a good idea to keep a folder of all your files together. Creating a smooth process will help your loan paperwork flow more efficiently, bringing you closer to closing day!
4. Welcome Home
You’re almost there! Once your home and loan are ready, FBC Mortgage provides you with all the final details you need, such as the final closing disclosure, what to bring to your closing, and how much money is needed at the closing. All that’s left is signing the final loan documents and receiving the keys to your house. Welcome home!
Mortgage Resources
Learn more about mortgages, loan programs, and the loan process on our Mortgage Resources page.
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Some of our Awesome Testimonials
Marci Snyder did an excellent job with the refinance of our house. She was on top of every detail and kept us constantly updated – and also closed on the projected date!
Brandon was available, thoughtful, informative, and hard working. We had a very tricky application and Brandon helped us every step of the way.
Kevin Young was so helpful when I recently bought my home. I was able to close in three weeks because of his team’s dedication to me.
The team and FBC Mortgage are always professional, on time, and have great follow up. I would recommend them to anyone!
I worked with Stephanie Nunziata from start to finish. She anticipated my every question and always supplied the correct answer. What could have been an ordeal turned into a simple process.
This is my second time working with Keith and he has made each time incredibly easy. He is on top of everything and is always willing to take time to answer any questions or concerns you might have.
The loan process could not have been any easier. The whole FBC team made an arduous process simple. All of your employees are fantastic and I wouldn’t change a thing!
Questions About Home Buying?
Talk to one of our mortgage professionals to learn more about financing your new home today.
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Learn More About Mortgages
How Appraisals Work
Appraisals play a vital role in determining the value of a property, and they help ensure that the investment you’re making is a smart decision for both you and your lender.
Debunking Common Mortgage Myths
Join us as we debunk some of the most common mortgage myths and provide you with the facts you need to make informed decisions on your path to homeownership.
How to Read Your Closing Disclosure
Learn how to read your Closing Disclosure, including all the final details about your mortgage like the loan terms, monthly payment, and how much you owe in fees and closing costs.
