Basics of the mortgage process

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Basics of the mortgage process don't have to be a mystery.  The mortgage process can be intimidating to a first time home buyer, but it doesn't have to be.  Making the move from a renter to a home owner is exciting.  Many studies show that home ownership is a key factor in growing personal wealth.  While interest rates have moved, they are still at great historic lows.  In addition, home ownership is also important to the strengthening of local communities.

There are many loan programs available; some allow a down payment of only 3%, while others up to 20%.  There also are programs that require less documentation or even a lower credit score.  You may already qualify for a mortgage, and may not even know it.  Don't let the memory of tight lending practices keep you away, things have changed.

Once you have your pre-approval letter from your lender, it is time for the next step.  You should seriously consider having a real estate professional for your team.  You are going to want to have someone on your side during the negotiations, scheduling, and closing process.  Someone familiar with the local area and with the heart of a teacher.  We can help fill in the questions you have both about the process and the local communities.  We want to be on your team.

While there are several articles and even books written on the mortgage process, those can be too much and may not apply to you. 

As you can see, the mortgage process is not such a mystery.  Once you are ready for home ownership you will now know what to expect. Remember you want a pre-approval from a lender, and a real estate agent for your success.  We can make it happen.

All real estate is local. York County South Carolina has a lot to offer. Whether you want to visit the lakes, or be entertained you will not be let down. York County also has medical centers and higher education centers available. If you are thinking of making a move, give us a call. We have the deep community roots and network to help you find your next home. We can show you all of the beautiful areas of York County.


We would like to invite you to visit We specialize in the Rock Hill, Fort Mill, Indian Land and Tega Cay areas of South Carolina. We have made available tours of subdivisions in each city for your review. We are deeply knowledgeable of these areas, which is why you want to choose us for your real estate needs.

Courtesy of Arbie Turner Homes Keller Williams Fort Mill SC

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