Not sure where to begin on your home buying journey? Here's a quick guide to help you get started.
Take some time to review your credit score and income. Avoid taking out loans, opening credit cards or making large purchases for six months. Then, get a quick estimate of what you can afford with our Affordability Calculator.
Get an estimate for the amount you'll be able to borrow, so you can confidently search for homes within your budget. With Pilgrims Mortgage, you can get pre-qualified in as little as three minutes with no impact to your credit score.
Getting pre-approved by a lender helps you make a strong and competitive offer. A loan officer will verify your income and assets, so you'll want to prepare documents such as pay stubs, W-2's and bank statements.
After the seller accepts your offer, it's time to begin the formal mortgage application for your new home. Our loan officers will be available to provide expert guidance for your unique situation, every step of the way.
In most states, you'll close your loan with an escrow company. Once your loan is approved, the lender sets a date to finalize the sale and check your credit one last time.
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