Professional Advantage Mortgage Group
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ProAdvantage Client Quotes
As we all know, refinancing a mortgage can be a very cumbersome affair, wrought with many uncertainties and fears. You and your staff made the entire process easy and relatively painless. I will gladly recommend your services to my friends and acquaintances.
Robert L. Murray
My experience with Professional Advantage was very positive. Despite the demands of my career, a hyper real estate market and the quirks of buying a co-op, Professional Advantage pulled everything together beautifully. One of the things that stood out with Professional Advantage was the fact that I had one contact throughout the entire process. I am reminded of the great rate and great service I received from Professional Advantage every month, when I make my mortgage payment.
Kimberly Uhorchak
PriceWaterhouseCoopers
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The Home Buying Process
 
First Make Sure you Are Really Pre-approved and Determine How Much Home you can Afford - The first step in buying a home is getting a real credit pre-approval. You’ll receive a loan commitment from your mortgage company before you’ve found a home, so you can start house hunting confidently. It is important you have an offer in writing and they ran a real credit check on you so you know the offer is valid. This step also lets you know how much home you can really afford to buy.

Find the Home That is Right for You - Take your time when looking for your dream home. Consider hiring a buyer’s real estate agent to help you navigate this process. Research the community, knock on doors, and ask around. Don’t rush into anything; this is one of the biggest decisions you have to make in your life.

Make the Offer - Once you’ve found a home you want, you will need to decide how much you’re willing to pay to make close the deal. Think about what other homes have sold for in the area, how much money you might have to put into repairs or renovations, and how much you’re comfortable spending. Again, do some research if you can to help you find the right offer price.

Get the Home Inspected - An inspection by a professional that is qualified makes you a more informed buyer, which is crucial when you’re making such a large investment. Your inspector will examine the foundation, roof, heating and cooling system, plumbing, and more. Any problems will be recorded in an inspection report, which you can use to negotiate with the seller. Be sure to get everything in writing to protect yourself in the future. And find an independent inspector.

Secure Home Owners Insurance - If you are securing a mortgage you will be required to prove you have adequate home owners replacement insurance.

Close the Deal - Closing is the final step of the home buying process, when you, the seller, the closing agent, and others meet to transfer funds and finalize paperwork. And when the last check has been handed over, the last document autographed, you are left holding the keys to your new home.
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