The Homebuyers Guide

What is inside

1. 1

   What is a mortgage?

   Mortgage origination and the mortgage channels

2. 2

   Loan types

   Conventional, FHA, VA, USDA and when each fits

3. 3

   Pre-approval

   Your credit (FICO) score, income and assets, employment verification

4. 4

   Set your budget

   Mortgage do's and don'ts while you shop

5. 5

   Find a home

   Choosing a Realtor, shopping, making a checklist, the purchase offer and contract

6. 6

   Rates

   How mortgage rates work, fixed vs. ARM, lock or float

7. 7

   Disclosures and inspection

   Registration and loan disclosures, the home inspection, escrow and title, earnest money

8. 8

   Appraisal to closing

   The appraisal, homeowners insurance, approval and conditions, clear to close, closing cost fees, signing and servicing

Free download

The Homebuyers Guide

Over 30 pages covering what you need to know to buy a home with confidence. Read it on your phone, share it with a co-borrower, and bring your questions to Frank.

• What a mortgage is and how origination works
• Loan types, pre-approval and your credit score
• Income, assets and setting a budget
• Mortgage do's and don'ts
• Offers, rates, locking and disclosures
• Inspection, appraisal, insurance and closing

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