The First Step


        Define Your Goals, Research Your Options, Make Your Plans Given that buying a home is such a big step, it’s all the more important for you to educate and prepare yourself as much as possible in advance. This means clearly determining why you’re buying and what kind of home you’re looking for. And because buying and  financing a home are so closely related, it also means examining your current financial situation and projecting how much  you can afford.

        Get Pre-Approved For A Loan.  It is recommended that you get pre-qualified for a loan before you start viewing homes with the serious intention of buying. The pre-approval process involves meeting with a lender and authorizing them to examine your current financial situation and credit history. On the basis of this examination the lender will provide you with a document that details how much you can borrow to buy a home.

•  You’ll have information about what you can afford and be able to plan  accordingly

•  As a qualified, motivated buyer you’ll be taken more seriously when you make an offer on a home

•  Lenders can tell you whether you qualify for any special programs that will enable you to afford a better home (particularly if you’re a first-time buyer) 

Getting pre-approved for a mortgage is an easy process that can be completed in as little as 30-min.  If you need a recommendation we have great local lenders who will be glad to assist you with the process. 

Our Recommendation

  Dex Auer -   TowneBank Mortgage  -  Your Hometown Mortgage Lender  - Phone  757-390-2255  Mobile  757-470-4041   NMLSR # 607857

Dex Auer - TowneBank Mortgage
-Your Hometown Mortgage Lender-
Phone 757-390-2255
Mobile 757-470-4041  NMLSR # 607857

Rose & Womble is a locally owned and the largest real estate company in our area.  We pride ourselves on having the best local expertise and customer service and have found a lender with a company that perfectly complements what we strive to achieve everyday.   
Dex Auer with TowneBank Mortgage shares our values and belief that customer service is paramount.  Getting pre-approved with Dex is a free and quick process and can be done online or on the phone.  Call Dex today and he will be glad to get you a pre-approval letter so you can start your home search.  


Upfront Expenses

Let Us Guide You

While using an agent on your home purchase is free, it is important to understand that there are still upfront expenses that are part of the home buying process.  We will be glad to set up a buyer consultation to help you fully understand the process and make sure there are no hidden expenses you may not have been expecting. 

  • Home Inspection: $350-500
  • Appraisal: $400-500
  • Earnest Money Deposit: $500-1000
  • Closing Costs: 3% of home sale price
  • Down Payment: 0% to 20% of Purchase Price depending on loan type