408 W. Main St. Fredericksburg, TX 830.997.9591

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Buyers - Buying 101

Shopping for a Loan

• Looking for the Best Mortgage - Shop, Compare, Negotiate (.pdf)

• What Will it Cost?

• What If I Pay It Off Early?

• How Much Can I Save by Refinancing?

Know Your Rights

• Fair Housing: Equal Opportunity for All (.pdf)

• Real Estate Settlement Procedures Act (RESPA)

• Borrower's Rights

• Predatory Lending

Make an Offer

Making an offer on a home is an exciting step - you've found the house you want and you're working towards making it your home. Be sure you're serious about buying before you make an offer. If the seller accepts your offer, it becomes a legal contract after a few days. Details and planning are important. Know what you would like to pay but also think about the most you're willing to pay and the total pre-approved loan amount. Be specific, and put everything in writing.

• How Much?

• Lease Option

• All Cash

Next Step - Closing and Beyond