Home Purchase
At American Trust Mortgage, Inc. our philosophy is to not only build loans but build relationships, and help guide you through the steps necessary to achieve a successful Real Estate Transaction”
Steps to Purchasing a Home
Your credit reports are an ongoing look at how you manage your finances. You must know exactly what your credit reports say about your financial history before you apply for a mortgage, because the reports play an important role in the mortgage approval process and in determining the interest rate and other loan terms that a lender offers you.
If you haven't looked at your credit reports, you might be surprised at their contents, because errors are common.
Finding the right loan is crucial to your home buying success. American Trust Mortgage, Inc. can help you understand what is available to suit your needs. Their help and expertise will help you make an informed decision and they will guide you throughout the entire process
Do you know how much house you can afford? Probably not !
Our Pre-approval gives you that competitive edge over other house hunters. Consider this scenario. A home seller gets two similar offers. One is accompanied by a letter from American Trust Mortgage, Inc. that states she is pre-approved for a mortgage in the amount of the offer. The other has no supporting documents. Which offer do you think the seller will consider first?
Buying a home isn't as difficult as you might think, even if you're short on funds, but the process will go a lot smoother if you let American Trust Mortgage, Inc. help you get familiar with your real estate market and narrow down your wants and needs before you start looking at houses.
Real estate agents represent buyers, sellers, or both--and in some states they can work as neutral facilitators for either party. It's essential to understand agent duties and loyalties before you make that first phone call.
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