If this is your first home, you are relocating to Central New York or you’re ready to right size your home for your next chapter Congratulations you came to the right web site.
The home buying process can be stressful for some but at Tody Homes Our agents are ready to help you navigate the ever changing home buying process from the beginning to well after closing to make this a stress free experience.
First determine your price range including how much money you will need for closing costs? If you need the help of a mortgage broker let us recommend a few that we think are excellent to get the financial ball rolling. You will need a pre-approval or a pre-qualification letter to tour many homes in person and definitely to write a purchase offer.
What is the difference? A pre-approval letter is an in-depth look at your financials that includes a detailed credit report, several weeks of pay stubs, W-2’s, any debt student or car loans, investment accounts, saving accounts, verify employment and any other financial information you will need to obtain a mortgage. This makes you a stronger buyer in this competitive housing market. A pre-qualification letter is a quick over view of your financial fitness that verifies your credit score and whatever else the bank deems necessary information.
Now that you know how much home you can afford let our agents’ help you decide on a great area or areas to move to and the style of home that best fits your current and future needs with this home.