Purchase

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Ready to Purchase Your Home?

We’re here to help you purchase the home of your dreams. We know that buying a home is one of the most important decisions you will make. Few things give you more pride than owning your own home, and you will probably make no greater single investment in your lifetime. We want to help you make that dream come true. There are many different types of loan programs you can choose from, and the best loan program for your neighbor may be different than the one that is right for you. From getting pre-approved to finding the perfect home, understanding the home buying process can help give you peace of mind. So can partnering with a mortgage lender you can trust. Put our expertise to work for you. Whether you’re building or buying your home, FBC is here to help you along the way!

The first step is getting pre-approved. Pre-approval for your home loan considers your household income and payment history before determining how much of a loan you qualify for. Online pre-approval applications like SimpleLoan.com have become a simple and secure way to qualify.

Home buyers can qualify for a variety of loan programs, and there are different types of loan programs you can choose from. Choosing the loan that’s best for you takes time, knowledge, and experience.

Once you’ve been pre-approved for your loan, it’s time to start shopping! You can decide whether to build your home or buy a home that’s already on the market, and work with a real estate agent or New Home Builder to help you find the perfect fit. Once you’ve found your home, it’s time for you to make an offer.

Once your offer has been accepted, it’s time for FBC to get to work! Your loan application is reviewed to make sure all the required documents for your loan are in. Most buyers will schedule a home inspection to audit the condition of the house in case there are any issues. Appraisal will also happen during this time, conducted by an independent third party to establish the market value of the home, ensuring that the house is worth the value that you are paying for it.

Finally, your loan application is verified by an Underwriter, who performs a detailed analysis of your financing and your loan’s requirements. You may need to provide documentation, so it’s a good idea to keep a folder of all your files together. Creating a smooth process will help your loan paperwork flow more efficiently, bringing you closer to closing day!

You’re almost there! Once your home and loan are ready, FBC Mortgage provides you with all the final details you need, such as the final closing disclosure, what to bring to your closing, and how much money is needed at the closing. All that’s left is signing the final loan documents and receiving the keys to your house. Welcome home!

Mortgage Resources

Learn more about mortgages, loan programs, and the loan process on our Mortgage Resources page.

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Some of our Awesome Testimonials

Marci Snyder did an excellent job with the refinance of our house. She was on top of every detail and kept us constantly updated – and also closed on the projected date!

We could not have done it without Amanda. We appreciated her going above and beyond, not putting us in a box but really working for a solution for us.

Highly recommend Chariffe Nisbett. He made my first house buying experience easy, is very knowledgeable, and will guide you to where you need to be.

Brandon was available, thoughtful, informative, and hard working. We had a very tricky application and Brandon helped us every step of the way.

Mike Frank and his team worked extremely hard and efficiently on my Refi. I was able to get ahold of anyone I needed, and they answered all my questions and requests in a timely manner.

The team and FBC Mortgage are always professional, on time, and have great follow up. I would recommend them to anyone!

I worked with Stephanie Nunziata from start to finish. She anticipated my every question and always supplied the correct answer. What could have been an ordeal turned into a simple process.

This is my second time working with Keith and he has made each time incredibly easy. He is on top of everything and is always willing to take time to answer any questions or concerns you might have.

Every step was simple and easy and everyone I worked with was a pleasure to deal with. Loan was handled with great professionalism.

Questions About Home Buying?

Talk to one of our mortgage professionals to learn more about financing your new home today.

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