If you can answer "yes" to the majority of the questions below, then you are reay to purchase a home. Do you have a steady job? Is your income situation reliable and consistent? Have you started saving for a down payment? Are you tired of renting? Are you tired of getting turned down by apartment complexes for having a dog?

A mortgage is a legal document between a homeowner and the mortgagee that establishes a home or property as collateral for a home loan.

The first step is to contact me, your mortgage lender, to get Pre-Approved of course!

Everyone's situation is different, but here are the most common documents needed for applying: Tax Returns 30 months of paystubs W-2s or other proof of income Bank Statements & Other Assets Gift Letters (if family/friends are helping you buy, you need a written confirmation letter) Photo ID

All lenders have different baselines for credit scores. The higher your score, the better your interest rate. Guaranteed Rate offers loans for scores at 580+.

Speaking with me, your home loan advisor, is the first step. We will explore every different loan option and program available until we find the one that fits 100% of your needs. We got you covered!

When you compare monthly payments, it is usually more cost-efficient to buy a home rather than rent. There are also tax-saving deductions and home equity to consider when you purchase a home. Ultimately, owning a home is an investment for YOUR future and not your landlord's!

The loan program you and your lender choose will determine the amount of money needed for a down payment. Guaranteed Rate has programs that require as little as 3% down and even some programs that cover your FULL DOWN PAYMENT. That's right no money down!

It is possible to purchase a home without a real estate agent. HOWEVER, the home purchasing process includes contract negotiation, home inspections, and deadline derived actions that can make the process overwhelming without an experienced agent's guidance. Unlike home purhcasing websites, real estate agents have the most up-to-date information about homes for sale and sometimes even have listings that are not on the market yet! Remember, as a home buyer, it is FREE to use a real estate agent.

In my job, I pride myself on always being available for my clients. You can reach me by call or text on my cell phone (302) 229-7124 or by email Chris.Patille@rate.com .