The home buying
process can be rigorous and intimidating, which
is why it is our goal to make a safe and easy
process for you. It is our job to ensure
that you understand the entire process and of
course, to help you find your ideal home.
essentially 9 steps to buying a home. For
more details about each step, please contact us
and one of our agents will be delighted to
answer your questions.
What you can afford depends on your income,
credit rating, current monthly expenses,
down payment and the interest rate. Contact us
to assist you with calculating how much you can
afford and get pre-qualified. Or click below to
estimate your potential payment plan.
Step 2: Know your rights
At Sapphire Realty, our goal is to protect
you at all costs. We understand your
rights as a borrower and will ensure that you
make the best informed decision when buying your
home, since this may be the largest and most
important loan you get during your lifetime.
You have the right to shop for the best loan
for you and compare the charges of different
mortgage lenders. You have the right to be
informed about the total cost of your loan
including the interest rate, points and other
Save money by doing your homework.
We will work with you to research lenders, compare costs and interest
rates. We will shop,
compare and negotiate the best mortgage for you.
Step 4: Learn about
home buying programs
relations with many different lenders allow us
to choose from many different loan programs -
and to get you the lowest interest rates.
If you are a first-time homebuyer, there are
many programs that may allow you to save both on
down payments and in lowered interest rates. Our
agents can provide you many options for first-time homebuyers.
Step 5: Shop for a home
Shopping for your home can be time consuming
and even confusing. There are different
types of homes to consider and deciding on your
preferences from the start will help narrow your
choices. For example, do you prefer a new
home versus a "fixer upper"? Would you opt
for a manufactured (mobile) home or even
consider building a home?
of the first step to shopping for a home is
choosing the ideal real estate agent. At
Sapphire Realty, we have experienced and
dedicated agents to help you create a home
shopping checklist - and to answer all your