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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

So that your financing is approved, it is necessary the recruiting of specialized professionals' services in supplying the documents and requested reports. We of Prysma are determined to locate competent professionals that supply services efficient, appropriate and of low cost for your financing. See a list below of the related costs to the purchase of your own house:
Estimated Costs
Appraisal:	$ 0-475 (Multi-Familiy)
Credit Report Fee:	$ 0.00 - 30.00
Processing Fee - Lender:	$ 0.00 - 1000.00
Attorney's Fee:	$ 0.00 - 700.00
Government Recording & Transfer Charges:	$ 0.00 - 200.00
Title Insurance	$ 3.00 (a cada $1,000)
Title Search, Survey, Examination Fee and Others:	$ 0.00 - 500.00
Loan Origination Fee:	$ 0.00 to 2%

Remember:
	Some of the costs can be negotiated with the Lender or with the property seller.
	Closing costs are estimated between 3% and 6% of the mortgage value. These costs may be financed, or you can get them to be paid by the property seller.

	Credit Application
	Monthly Payment Calculation

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