Step-By-Step Homeownership

a comprehensive guide to achieving your dreams of homeownership

Your mortgage approval process starts in the moment your offer is accepted. Our promise is to provide you with prompt and friendly service. The home-buying process doesn't need to be scary. Our step-by-step guide will walk you through the process and answer your questions on what you should expect from your REALTOR®, where to look for loans, and what to watch out for at closing.

	Credit Approval
	Choosing a Credit Program
	Documents Needed
	Costs of the Mortgage Loan Process
	Credit Application
	Monthly Payment Calculation

Suggestions for you

	Look for a realtor to help you find the perfect house for you.
	Look for opportunities on the Internet.
	Choose a property that suits your financial needs.
	Think twice before making a decision, and ask yourself this question: Is this property really what I need?
	Be diligent to check all weaknesses of the property, and use this information to negotiate the price for your benefit.
	Negotiate price and costs with the previous house owner or with the Realtor.
	Buy furniture and utensils for the new property only after obtaining the Final Approval (Commitment) from Prysma.
	Whenever possible, try to finance the closing costs.
	Buying a house is a serious thing: it is time to save money and avoid getting into new debts.
	Keep regular contact with your Realtor and with Prysma. Our toll free number is: (888) 743 9985.