Where Do I Start?

Buying a home is one of the most important decisions you will ever make, and it is important to be prepared and to educate yourself prior to making your home purchase.

We recommend that you speak to a trusted advisor before you start looking for a home – someone that is familiar with your needs and your finances.

You can download the helpful resources below to get you started on your home buying journey!

Can I Afford a Home?

Determining your budget before you start shopping for a home will help greatly with successful homeownership. It is important to buy a home that fits into your budget range. Some monthly payments plans may sound reasonable for your budget range – but loan terms and interest rates can vary greatly.

Most experts recommend not spending more than 30% of your pay on housing (for example: if you are paid $2,800/month, $840 should be about what you spend on housing costs). This will vary by region, but these are all considerations you should take as you plan your home purchase.

We recommend that you speak to a lender before you start shopping. And don’t stop there! Visit several different lenders in your community to compare options.

Where Can I Find Financing?

Choosing the right financing that makes the most sense for you is important. We recommend speaking to lender before shopping for your home.

Getting pre-approved for a loan will make your home buying process much less stressful. It takes some time and dedication to ensure that you have a good credit score, but there are counseling and homebuyer education programs available to help.

Where Can I Get Help?

Looking to learn more about factory-built homes? Check out Next Step’s factory-built homebuyer education course! Visit today to register, log in and navigate eHome America’s online curriculum.

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