Our home loan officers are ready to help you through the home-buying process. Our step-by-step guide explains what happens at each stage so you know what to expect.
Before you begin house hunting, it’s smart to evaluate your financial situation in three areas:
Getting pre-approved strengthens your purchase offer and shows sellers you're a serious buyer. Select your lender below and give them a call. Your loan officer will review your financial details and, if you qualify, provide you with a pre-approval letter.
With your pre-approval in hand, the fun begins. It’s time to search for your ideal home, which can be exciting and overwhelming.
There are many things to consider, and it’s smart to make a list of everything you need and want in a home. It can be helpful to partner with a local real estate agent who understands your needs and keeps your budget in mind as you explore.
Once you find the perfect home, it’s time to make an offer. Your real estate agent will help you craft a competitive bid.
If the seller accepts your offer, you’ll enter the escrow period, where various inspections and appraisals take place. We’ll walk through everything and help you schedule your property appraisal, which you can learn more about below.
During escrow, we’ll help you select the best loan, lock in an interest rate, and gather the necessary documents. Our team will help ensure a smooth process by keeping you informed as we move toward loan closing.
Check out our Understanding the Paperwork - Part 2 article to learn about the documents involved from contract to closing.
At closing, you’ll sign the final paperwork, pay any closing costs, and receive the keys to your new home. Congratulations — you’re now a homeowner!
Check out our Post-Purchase Checklist video for things you’ll want to consider once your loan closes and you prepare to move in.
Clearwater services the vast majority of mortgage loans we make, so it’s likely you’ll work with our local Mortgage Servicing Team after your loan closes.
If you have questions about your loan payment, property taxes, insurance, and more, email the Mortgage Servicing Team or give them a call at 406-533-3360.
Check out our Homeowner Resource Center for information and advice throughout your homeownership journey, including a seasonal home maintenance checklist to help you prevent major maintenance issues in the future.
