Buying Your First Home

At Community Central Mortgage Company we make the dream of homeownership a reality. Many of our Loan Officers are "Certified First Time Buyer Specialists." What this means to you is you are one step closer to becoming a homeowner.

Your first step should be to "Locate One of Our Managers." They will work with you one on one, transforming your dream of homeownership into reality. We have created our "Six Steps to Homeownership." Follow these steps to help you finance your dream home.

Make the Decision To Purchase A Home of Your Own:

You have decided to purchase a home of your own; this is the most important step. Once you've made the decision to improve the quality of life for you and your family, leave the rest to Community Central Mortgage Company. Our goal is to take the confusion out of homeownership and guide you through the mortgage process from A to Z.

Meet With Your Community Central Mortgage Company Representative:

During your initial meeting we will discuss all of the financing options available to you; review your employment history, review your credit history and compute your income level. After your meeting, Community Central Mortgage Company works tirelessly behind the scenes getting your loan pre-approved. Your application will actually be approved subject to finding a home within "your" pre-approved price range and on "your" pre-approved terms.

Let Us Help You Explore Your "House Hunting" Options:

At this point if you are not already working with a professional realtor, we will provide you with a listing of the many qualified realtors that we deal with on a daily basis, a realtor that understands your specific loan program and the community where you have determined you would like to reside.

Preparing the Offer On the Home "You" Have Selected.

Once we have helped you select a realtor, or you have found a home through another source. It's time for Community Central Mortgage Company to help you. We will work with the realtor or the seller to make sure your offer to purchase (purchase agreement) meets all the requirements of your HOME-CASH pre-approval for the home you have selected. When you have reached this stage you'll be glad you took the first step in contacting Community Central Mortgage Company. You will be armed with our HOME CASH PRE-APPROVAL CERTIFICATE and our HOME-CASH CARD™. This certificate and cash card means you are essentially a "Cash buyer" in the eyes of the seller. The HOME-CASH card separates you from all the other potential buyers that may be bidding on the very same home "you" are interested in. With the HOME-CASH CARD™ the seller is far more likely to accept "your" offer.

Complete the Rest of the Paperwork:

Once your offer to purchase has been accepted by the seller, we will order the Appraisal, Inspections, and Survey, perform a Title Search then prepare the necessary Closing Documents.

Get Ready to Move Into Your New Home:

You attend the closing. The closing will either take place in our office or at a "Title Company" that is close to your home or place of employment. At the closing you'll be glad you selected Community Central Mortgage Company for your home financing needs. We will have prepared all of the important documents for you and the seller to sign. We will be there with you, our mortgage funds in hand, to complete the transaction. Our goal is to make the transition of ownership between you and the seller a seamless and enjoyable experience. The dream of homeownership is now a reality and moving day is just around the corner.