Buying a home is part of the American dream. It is a significant long-term investment that is often the single largest purchase of our lives. The process may seem intimidating at first, but we promise to work with you every step of the way.
This guide is designed to give you the information you need about the home buying and mortgage process so that you can make informed decisions. Always remember, you don’t have to do it alone. Our experienced staff at Stylecraft and our featured lenders are available to answer any questions throughout the home buying process. As many of you know, this year has brought a lot of changes to the real estate market, especially to that of new construction. We ask you to visit our blog for the most up-to-date information regarding our current sales and appointment process.
Prequalification
As early in the home buying process as possible, you should apply to become pre-qualified with a mortgage company. The first step in this process is filling out a pre-qualification form for the mortgage company. Depending on your income and credit history, you will be “pre-qualified” for a certain purchase price.
The mortgage company uses the information you provide, along with a copy of your credit report, to estimate the amount of mortgage for which you may qualify. This is called a pre-approval, or the maximum amount the mortgage...
Choose your home
Now the fun begins! Once you know how much you are pre-qualified for, it’s time to select the community and home that best meets your needs. First, browse through our various neighborhoods and take note of the location, amenities, and other factors that may influence your decision in selecting a subdivision. Next, search through the available floor plans and select a home to build, or choose one of our homes that are under construction (inventory homes). Based on your budget and preferences, our sales consultants will help guide you...
Purchase your home
Once you have found your perfect home, it is time to finalize the purchase with an Earnest Money Contract (EMC). The EMC is the written agreement between you and Stylecraft that specifies the exact home, purchase price and any other conditions agreed upon. You will need to have earnest money (a personal check or money order is acceptable) at the time you sign the contract. The amount of earnest money required varies depending on the neighborhood, type of home and financing. Your Stylecraft sales consultant will go through the...
This guide is intended to be an overview and should not substitute for professional mortgage or tax advice. Please consult your mortgage or tax professional for advice about your specific situation.
Have a question about a floor plan or community? Ready to schedule a visit? We are here to help at any stage in your new home search process whether you need a home now or just starting to look. We're here to be your personal guide. Call or Text us anytime!
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