Tucker Mortgage, LLC

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Home Purchase Basics

Congratulations on your decision to buy a new home! There are many important things to consider throughout the process, especially if you're a first-time homebuyer. Here's some information that will keep you on track.

In General....

A home purchase may be your largest financial transaction to date, so it's important to make the right decisions and to keep an eye on the details. With the assistance of your Real Estate Agent and Loan Officer, it should be an efficient, pleasant, and ultimately rewarding experience.

Count On Your Real Estate Agent To:

  1. Preview available homes to weed out those that are overpriced, or undesirable in some other way
  2. Present the homes that suit your needs as you've defined them.
  3. Help you determine the difference between a "good buy" and a property which, because of its nature (neighborhood, market appeal, etc.), might have to be discounted if you decide to sell in the future.
  4. Negotiate the best deal for you. With a Pre-Approval letter from Tucker Mortgage in hand, your Real Estate Agent will be able to demonstrate that you are a qualified and capable borrower. This will strongly influence the Seller, and may make the difference between the Seller accepting your offer or someone else's -- even if your offer is lower!

Count On Your Mortgage Broker and Loan Officer To:

  1. Assist you in selecting the best loan to meet your personal situation and goals. (This single decision can save you thousands of dollars throughout the years!)
  2. Keep you informed of your loan status throughout the entire process.
  3. Keep your Real Estate Agent informed of our loan progress (Note: your personal information is always kept confidential between you and Tucker Mortgage; only deal points and progress are shared).
  4. Get the appropriate loan for you at the best rates and fees. This will save you significant money "up front" and throughout the years to come.

Count On Yourself To:

  1. Continue to make mortgage and rent payments on time
  2. Stay current on all existing accounts
  3. Keep working at your current employer
  4. Continue to use your credit as normal
  5. Be upfront and honest with your loan officer
  6. Be diligent in returning requesting items

During the Financing Process, these are things you should NOT do:

  1. Make a major purchase (car, boat, furniture)
  2. Apply for new credit or take out any new loans
  3. Transfer balances from one account to another
  4. Change bank accounts
  5. Make large or cash deposits into your account
  6. Payoff any debt without discussing with your lender

 

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TUCKER MORTGAGE, LLC
9201 N. MERIDIAN STREET, SUITE 200, INDIANAPOLIS, IN  46260
Toll Free:  (800) 257-1195
Direct:  (317) 472-9201
webapp@tuckermortgage.com
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