Home-Buying Guide

Thinking about buying a home? We have information that can help.

If you are ready to apply for a loan, please fill out a loan application.

Got questions? Call us at 314-329-7314!

1. Figure out how much you can afford

What you can afford depends on your income, credit rating, current monthly expenses, down payment and the interest rate.

How much home can you afford?

Buying vs. Renting

Home Economics

2. Know your rights

Fair Housing: Equal Opportunity for All– brochure

Real Estate Settlement Procedures Act (RESPA)

Borrower’s rights Predatory lending

3. Shop for a loan

Looking for the best mortgage: shop, compare, negotiate– brochure

Let FHA help you Learn about interest only loans

Avoid Predatory Lenders

4. Shop for a home

Choose a real estate agent

Wish list– what features do you want?

Home-shopping checklist – take this list with you when comparing homes

5. Make an offer

Making an offer

6. Get a home inspection

For Your Protection Get a Home Inspection

10 Questions to ask a home inspector

7. Shop for homeowners insurance

Homeowners insurance 12 ways to lower your homeowners insurance costs

8. Sign papers You’re finally ready to go to “settlement” or “closing.” Be sure to read everything before you sign!

Settlement Costs and Helpful Information

If you are ready to apply for a loan, please fill out a loan application.

7700 Clayton Road, Ste. 315
St. Louis, MO 63117
United States of America
NMLS ID: #1203639
MO License: #111990