Ready to apply?
It’s easy, fast, and secure, and you can do it all online.
Here at Crystal Clear Mortgage, we know that when you buy a home, it’s a big deal.
And we’re here to offer Texas-sized help every step of the way. Whether you’re a first-time homebuyer or have bought a house many times before, we know that buying a home is complex – so we are here to give you our best mortgage expertise and guidance to help from the start of your home loan application to your closing.
- Affordable interest rates that help you pay less of the life of your loan
- Flexible loan options on all our real estate mortgage loans
- Personal guidance from an experienced mortgage lender
- Loan terms up to 30 years
Tips for a Crystal Clear Home Purchase
So, you’re ready to buy a home? Great! We’re ready to help. But first, here are our pointers for making the entire purchase and home loan process easy from start to finish.
1. Review your financials and credit.
Before you start shopping for a home, make sure your credit and financials are in order. Review your credit score and report – and contact your lenders to fix any problems you find on your report. Pay bills on time and avoid taking out any new loans or credit cards before you complete your home loan application.
2. Determine your budget.
Figure out how much you can afford to set aside as a down payment and how much you can afford for your monthly mortgage payment. Remember that you’ll need to budget for things like property taxes and private mortgage insurance, which may add to your loan if you take advantage of low down payment loan options.
3. Get pre-approved for your home loan.
When you know how much you can purchase, your home shopping experience will be much easier. Keep in mind that you’ll likely not want to spend the total amount of your pre-approval.
4. Get a really good real estate agent.
Don’t just hire an agent based on an ad – but ask for referrals instead. Check local sales to make sure your agent knows a lot about the neighborhoods you like.
5. See the home in person.
Even though many steps of the home buying process are now online, don’t skip seeing the home in person if you can. It’s the only way to really see and feel the home setting and condition.
6. Don’t skip the inspection.
No matter the home’s age, always get a home inspector to inspect the property.