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How home
work

Determine budget and save for a down payment

Before you even start looking at homes for sale, it's important to determine your needs and budget. Then start saving up for that down payment.
How much can I afford?

Connect with an agent, make an offer, and contract

Start house hunting! An agent knows your market and works with you to find your dream home on your budget. When you find your perfect home, present the seller a purchase contract with all the details.
What real estate agents do?

Get pre-approved

Apply for your mortgage with Guaranteed Rate. Know your buying power, monthly payment options, and show sellers that you’re serious with a pre-approval letter.
How pre-approval helps you?

Contingencies, appraisal, underwriting, close, move

Once an offer’s accepted, the home needs to be appraised. Next, underwriters check over the financials before clearing you to close. Then it’s time to sign and move in.
Most common questions

Buy with confidence!

In a market that demands it, we give homebuyers the edge they need to make their dream home a reality fast.

With our incredibly fast Same Day Pre-Approval process we’re helping people like you move as fast as cash and get their offers accepted!

Mortgage Center

Start the process now

Get Pre-Approved

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Determining your comfortable affordability involves considering various factors. Take into account your income, monthly expenses, savings, potential down payment, prevailing interest rates, and current home values. Additionally, factor in your comfort level regarding monthly home payments. Remember to include other expenses such as transportation, food, gas, groceries, entertainment, and clothing. Document and review your budget to assess the balance between your income and monthly expenditures.
A real estate agent is a licensed professional dedicated to assisting individuals in buying or selling a home. As members of the National Association of Realtors (NAR), they play a crucial role in facilitating real estate transactions. Whether you’re in the market to purchase your dream home or sell your current property, a real estate agent serves as your reliable guide throughout the entire process.
Real estate agents prefer working with pre-approved buyers. This enables efficient use of both their time and yours by ensuring that they assist you in finding a home within the appropriate price range. Sellers are looking for pre-approved buyers. Many prefer to entertain offers only from pre-approved buyers. They don’t want to spend time and energy negotiating a transaction only to have that deal fall through at the last minute for lack of financing.
The duration to secure a mortgage varies based on factors like the loan type, time of year, chosen lender, and the mortgage application process. Under normal circumstances, home buyers can typically anticipate receiving their mortgage loan approval in less than 30 days.
Loan processing refers to the stage in the mortgage application where a lender thoroughly reviews and assesses all the necessary documents and information. This critical step ensures that the borrower meets the qualifications for the loan they are applying for.
Mortgage lenders evaluate several factors to determine the suitability of a borrower for a mortgage loan. Key considerations include income, debt-to-income ratio, credit score, assets, employment history, and the type of property being financed.
Borrowers typically receive notification, either by phone or email, confirming the approval of their mortgage loan. The good news will usually come from your loan officer.