MORTGAGE LOAN BASICS

Congratulations on your decision to buy a new home! There are many important things to consider throughout the home buying process, especially if you're a first-time homebuyer. Here's some information that will keep you on track.

In General....
A home purchase may be your largest financial transaction to date, so it's important to make the right decisions and to keep an eye on the details. With the assistance of your Real Estate Agent and Loan Officer, it should be an efficient, pleasant, and ultimately rewarding experience.

1. Preview available homes to weed out those that are overpriced, or undesirable in some other way.
2. Present the homes that suit your needs as you've defined them.
3. Help you determine the difference between a "good buy", and a property (that because of its nature: neighborhood, market appeal, etc.) will most likely have to be discounted if you decide to sell it in the future.
4. Negotiate the best deal for you. With a Pre-Qualification letter from Northside Mortgage in hand, your Real Estate Agent will be able to demonstrate that you are a qualified and capable borrower. This will strongly influence the Seller, and may make the difference between the Sellers accepting your offer or someone else's -- even if your offer is lower!
5. Refinancing your current loan with Northside Mortgage is easy! Whether you are in need of cash, consolidating your bills, making home improvements, or just desire a lower monthly payment, we can help. An experienced loan officer will sit down with you and go over all of your financing options during your FREE consultation.

Count On Your Loan Officer To:

• Assist you in selecting the best loan to meet your personal situation and goals. (This single decision can save you thousands of dollars throughout the years!)
• Keep you informed of your loan status throughout the entire process.
• Keep your Real Estate Agent informed of our loan progress (Note: your personal information is always kept confidential between you and Northside Mortgage; only deal points and progress are shared).
• Get the appropriate loan for you at the best rates and fees. This will save you significant money "up front" and throughout the years to come.

1. Assist you in selecting the best loan to meet your personal situation and goals. (This single decision can save you thousands of dollars throughout the years!)
2. Keep you informed of your loan status throughout the entire process.
3. Keep your Real Estate Agent informed of our loan progress (Note: your personal information is always kept confidential between you and Northside Mortgage; only deal points and progress are shared).
4. Get the appropriate loan for you at the best rates and fees. This will save you significant money "up front" and throughout the years to come.

Once you select Northside Mortgage to obtain your home loan, you'll be amazed at how quick and simple the loan process moves. Before you know it, you'll have a mortgage that suits your lifestyle and saves you money.

Throughout the loan-application process, we will provide you with regular updates. You can also e-mail us with any questions or new information. And if you need assistance, a mortgage expert can answer your questions. We are just a phone call away.