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Home Purchase Basics

Congratulations on your decision to buy a new home! There are many important things to consider throughout the process, especially if you're a first-time homebuyer. Here's some information to keep you on track.

In General....

A home purchase may be your largest financial transaction to date, so it's important to make the right decisions and to keep an eye on the details. That's where your your Real Estate Agent and Busey Home Mortgage lender come in! They will partner with you to ensure your home buying experience will be an efficient, pleasant and ultimately rewarding experience.

Count on Your Real Estate Agent to:

  1. Preview available homes to weed out those that are overpriced or undesirable in some other way.
  2. Present homes that suit your needs as you've defined them.
  3. Help you determine the difference between a "good buy" and a property which, because of its nature (neighborhood, market appeal, etc.), might have to be discounted if you decide to sell in the future.
  4. Negotiate the best deal for you. With a Pre-Qualification letter from us in hand, your Real Estate Agent will be able to demonstrate you are a qualified and capable borrower. This will strongly influence the Seller, and may make the difference between the Seller accepting your offer or someone else's—even if your offer is lower!

Count on Your Busey Home Mortgage lender to:

  1. Help find the home financing that’s best for you. (This single decision can save you thousands of dollars throughout the years!)
  2. Keep you informed of your loan status throughout the entire process.
  3. Keep your Real Estate Agent informed of your loan progress. (Note: your personal information is always kept confidential between you and us; only deal points and progress are shared.)
  4. Get the appropriate loan for you at the best rates and fees, saving you significant money "up front" and throughout the years to come.

Count on Yourself to:

  1. Keep your Real Estate Agent informed of any questions or concerns as they develop.
  2. Keep the process moving by providing documentation and decisions as soon as reasonably possible. By doing so, many of the details are taken care of early in the process so you can comfortably concentrate on any last-minute details or events that require your attention.
  3. Enjoy purchasing your home, but remain objective throughout to make the business decisions that are best for you.
  4. Get pre-approved as early as possible to put the power of financing behind you so you can concentrate on selecting your home.
Busey Home Mortgage NMLS #509055
12300 Olive Boulevard, St. Louis, MO  63141
Toll Free:  (888) 649-3320
mortgage@busey.com
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