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So you want to become a homeowner .
Let me introduce myself and my company I am Pat Sokira a mortgage broker / managing partner of Strayer & Sokira LLC. located in Ebensburg PA . We specialize in mortgages particularly help first time buyers get in to there first home or those who have slow or tarnished credit get in to a custom product so they also can become a homeowner . But you might say I have excellent credit good job and money for a down payment why would I use your company here is why my company deals with wholesale lenders and are dedicated in bringing all of our clients whom we serve the following
- the best product for them
- the lowest interest rate they possibly qualify for
- an education or understanding of the various options available to them helping them make
an educated choice.
So I ask you before you look at another home that is for sale call Pat Sokira today at 814-471-9500 to set up your free appointment . You say that’s nice but I started looking at houses already either by myself or through a real estate agent I would say STOP immediately the following steps in the correct order is a must to make your home buying experience a pleasant one
13 steps to buying a House
1) Get your financial house in-order before you sign a sales agreement .
2) Prequalfied for a loan scenario ( we take a snapshot of you financial picture let you
know what you need to do to prepare to purchase )
3) Make a list the items you would like your new home to have
4) Pre-approval we meet and gather supporting documents to support your financial
picture draw and review the credit with you then run the verified
documentation through our automated system to gain a conditional
approval based on credit .
5) Realtor or Not ( if you decide on services of a realtor only use a accredited buyers
Representative , ABR )
6) House Hunt now start searching for a house that meets your criteria
7) Found the House ( affirm its in your price range )
8) Market Analysis ( to see the high and low range of similar homes in the market area)
9) Structure the Offer ( for this you need the assistance of a mortgage professional and a
realtor who is an ABR both are needed )
10) Acceptance ( the offer has been accepted now the contract is valid )
11) inspections ( these are ordered such as pest ,radon. Home inspection , water, septic,
appraisal
12) Mortgage application ( you found a house now we complete the application and begin
to process the loan working with you to met all or any of the
conditions of the lender once the final clear to close approval
is in hand , all the parties are contacted and the closing is
scheduled .
13) Closing ( when all parties attend to complete the terms of the contract )
To find out more about any of these services or other services that are offered please call Strayer & Sokira LLC. Mortgage Brokers at 814-471-9500. again you as the buyer incur no cost unless we get the approved for you . our company may be able to assist you the buyer in obtaining a mortgage loan tailored to fit your needs whether you our seeking first time home buyers loan at 100% of the sales price or appraised value programs for self-employed or 1099 borrowers , we always work to obtain the best interest rate possible that the customer qualifies for .
We look forward to hearing from you so consider this special invite we will make it simple just call us at 814-471-9500 ask for Pat .
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Strayer & Sokira Is Lic. by the PA. Department of Banking in First & Second Mortgages
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