Buy a Home
Buying a home is a big step, and most of the stress comes from not knowing what happens next. Walk the timeline below, from wherever you are in it.
Set your budget
What happens
Before you tour a single house, you figure out what you can comfortably borrow and what a monthly payment looks like at that number, so you shop the right neighborhoods from day one.
What we do for you
A free pre-qualification conversation. We talk through your income, savings, and goals, and give you a realistic range. No paperwork yet, no obligation.
Pick a loan type
What happens
Conventional, jumbo, a government-backed program like FHA, VA, or USDA, or financing for an investment property. Fixed or adjustable rate on most of them. Each one fits a different situation, and the right answer depends on yours.
What we do for you
We explain each option in plain terms, tell you which ones you're likely to qualify for, and shop them across competing lenders.
Plan past the down payment
What happens
In addition to the down payment, most loan programs have closing costs, taxes, and homeowners insurance that could be collected at closing.
Apply and get pre-approved
What happens
A documented review of your finances produces a pre-approval letter sellers take seriously, which matters in competitive neighborhoods.
What we do for you
We tell you exactly which documents to gather, submit your application, and explain what underwriting is checking while you wait. You'll know where your file stands the whole time.
Close the deal
What happens
You're under contract. Appraisal, underwriting conditions, and the closing disclosure all happen on a clock.
What we do for you
We keep the loan on schedule, chase every document, and prep you for closing day so you know what you're signing before you sit down.
After you move in
What happens
You own it. Questions about your loan, your escrow, or whether refinancing ever makes sense will come up over the years.
What we do for you
Our job doesn't end at closing. Call us any time; you'll reach the same team that handled your loan.
Homebuying questions we hear most
How long does it take to buy a house?
Most contracts on resale homes are written to close in 30 days, but we can close sooner in many cases. It all depends on how complicated the file is and how fast you can provide the needed information for underwriting.
What's the first step to buying a home?
A budget conversation, before you tour anything. A free pre-qualification call tells you what you can comfortably borrow, so you only fall in love with houses you can actually buy.
Do I need a real estate agent before talking to a lender?
We work with some of the best agents in Northwest Arkansas and would be glad to make a recommendation.
What documents do I need for pre-approval?
A completed application along with a credit pull will give us the ability to provide a pre-qualification letter. In some cases we may need to evaluate income and asset documentation prior to pre-qualification.
Wherever you are in the timeline, we're here to guide you through the process.
Fastest way: (479) 250-4485.