While you may find the thought of home ownership in Destin or on 30A (Beaches of South Walton) thrilling, the thought of taking on a mortgage may be downright chilling. Many first-time buyers start out confused about the process or nervous about making such a large financial commitment. I can help connect you to the best loan officers in Niceville or Destin, as well as the best title companies to help you along in your quest.
- Choose a loan officer (or mortgage specialist) Preferrably local–they know the local market.
- Make a loan application and get preapproved. For this you will need ALL your financial documents, tax records, pay stubs, credit information, for at least two years.
- Determine what you want to pay and select a loan option.
- Submit to the lender an accepted purchase offer contract.
- Get an appraisal and title commitment.
- Obtain funding at closing.