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7 Steps to HOME BUYING SUCCESS



When buying a house, preparation is key to succeeding in today’s competitive market. Discover what you need to know, and how Premier America’s lending team can make home buying easier.

1. CHECK YOUR CREDIT. Your credit report and FICO® Score summarize your credit history and will determine your interest rate. Before applying for a loan, check your credit score by logging into Online Banking and visit AnnualCreditReport.com to get a free copy of your credit report. Address any errors and take steps to pay down debt.

2. INCREASE YOUR PURCHASING POWER. Start saving early. The more you put down, the greater your options. Use our online mortgage calculator to identify affordable monthly and down payment goals.

3. CONSULT A LENDER. It’s never too early to speak with a Premier America Mortgage Specialist who can help you determine the best loan option for your budget and lifestyle.

4. GET PRE-APPROVED. Pre-qualifying for a loan helps you know how much house you can afford. Take the next step to get preapproved, where the lender authorizes a loan amount in writing. Pre-approval lets the seller know you are a serious buyer when you put in an offer for the property.

5. BUDGET FOR MORTGAGE INSURANCE. When a 20% down payment is not possible, buyers pay personal mortgage insurance (PMI). Speak with your Mortgage Loan Specialist for all the details and to find out if you will need PMI.

6. IDENTIFY WANTS VS. NEEDS. Save time by knowing what’s most important. Explore sites like Realtor.com and Zillow to determine your must-have features so you’ll recognize that dream home when you see it.

7. SPEED UP THE PROCESS. Your financial partner opens doors so you can make a timely offer. From application to underwriting to closing, Premier America makes it faster and easier by handling it all.

Your dreams are our dreams, and we are determined to help you see them through. To start your home buying journey, visit PremierAmerica.com/HomeOwnership or call 800-858-8328 to speak with a mortgage specialist.

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