Home Loans - Home Loan Process to Home Buying is a Simple 10 Step Process

Home Loans are as diverse as the housing market itself. In order to secure the absolute best home loan, you should contact your local bank and discuss your intent on purchasing a new home. Once you have discovered your vast options to securing a home loan that fits your budget and monthly payment structure, you are given a pre-approval letter that will assist you in convincing a homeowner or builder that you are in a position to purchase.

Home Loans and pre-approval status can make home buying so stress free that you will thank yourself over and over for adhering to these 10 simple, yet important steps toward purchasing your new home.

1. Get pre-approved for a Home Loan First

2. Choose a real estate agent and find your new home

3. Once you choose a new home write an offer to purchase

4. Give earnest money to show your intent to purchase

5. Choose a lender that has the Home Loan that fits

6. Conduct a home inspection for any seen or unseen problems

7. Write a repair list. Get the seller to make needed repairs

8. Get home insurance to assure you are covered from the minute you are the owner.

9. Make a final walk-thru to make sure everything works properly before closing

10. Close the loan and enjoy your home.

Home Loans can be made to increase your buying power if you are short on available cash, if you have a good credit score and yet very little money to put down, you can opt for a 100% Home Loan and still acquire the home you have chosen.

So many times the bank or home loan lender fails to ask your long term intent with your home purchase. If you plan on acquiring a first home, this will not be the home you spend the majority of your life. Therefore you should explain to your lender, that you wish to find a home loan that fits your purchasing intent and the term you plan on living in that particular home.

Home loans for short term living in a particular home are much different and can provide you with much more choices in home loan options.

Home Loans and their Options http://wealthsmith.com/home-loans.htm

Jim has several years experience in the real estate market and can provide some very understandable basics toward buying your next home. Today he discusses home loans.

http://wealthsmith.com/home-loans.htm

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Armed Forces Loans - The Military Loan Process

Many personnel of the US military, whether it is the Air Force, Marines, or any other branch of the military including the national guard, are taking advantage of military loans. Since they offer lower interest rates, quick turn around, and the ability to send the cash anywhere in the world any way you want, they are well worth the time.

Pioneer Lending is one company that offers military loans via an online application. There are actually hundreds of companies out there that can help marines, Army vets, and National Guard (all branches) personnel get their loans completed. Armed Forces loans, though, does give you the benefit of a very quick turn around of as little as four hours, no matter where in the world you may be. The process itself is actually pretty simple, as you will see.

First, you must go to their online application. The application asks you for your loan amount and turn. As for personal information, you need your name, social security number, date of birth, email, military email, and basic contact information. This part of the process is the same for most any military loan you get no matter who it is from.

Once your application is filled out and submitted, you still have to send your LES over. Without it, your online application cannot be processed for a military loan. Whether you are in the USAF, USMC, or Air National Guard, you need your LES to get the loan. That can be emailed over or faxed over to their offices. Once this is in, your application is ready to be processed by the company.

Once your application is in and you have submitted your LES to the company, you can await an answer to your loan application. Your military loan answer, unlike many traditional loans for civilians, will be answered in a matter of a few hours. In fact, you could have a response by email in as little as four hours. If you do not get an email reply, you simply have to call their customer service after the four hours and find out if you got the loan. This only applies during regular business hours. Once you have your military loan, you need to decide where and how you want the money. You will have your cash before you know it.

Military loans are becoming common among those in the armed forces. With companies like Armed Forces Loans, you will find that the entire process is incredibly simple. You have to fill out an application with general contact and personal information, submit your LES to the loan company for approval, and then await an answer. Since you get the answer on military loans so quickly, you can have the cash you need in a pinch in not time. The best part is, no matter where you or your family are in the world, the money can be sent to you. That is a great benefit to current or former military service in the United States.

Personal military loans are available at reasonable interest rates if you know your facts. Army Loans or Air Force Loans are a great way for military members to get their needs met.

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