Homebuying Process
Buying a new home can be a daunting task and every house hunting journey is different, especially if you are a first time home buyer. FCB Banks is here to help!
Contact a Loan Officer
The Steps to a New Home
Buying a home is exciting, but it can also be overwhelming. FCB Banks is here to make the process easier to understand. From preapproval to closing, your local loan officer will guide you through each step and help you explore the mortgage options that may fit your needs.
Get pre-approved
- Set up an appointment with your FCB Banks Loan Officer. We will help you determine how much house you can afford and which mortgage option is best for you.
- If you’re a first time home buyer, you can set up an appointment with a Credit Counselor for some more information about the financial responsibilities of buying a home.
Research, research, research
- Start researching homes and find a realtor who specializes in your desired area.
- Determine what features are “must haves” and what you could live without.
Go shopping
- Once you’re pre-approved and have found a realtor you trust, it’s time for the fun part – house shopping! The perfect house for you could be just around the corner.
Place an offer
- You’ve found the perfect place! Use your pre-approval letter to place an offer on your future home. (If it's been longer than 60 days since your pre-approval, you'll need to get re-approved before you can place your offer.)
Application and underwriting
- Contact your loan officer to officially apply for your mortgage. Once your application is in our hands, our hardworking team of local underwriters will begin assessing your mortgage.
Get the keys
- Your closing date will usually be around 30-60 days after your offer was accepted. Once you’ve officially closed on the house, you’ll have the keys in hand! Now it’s time for the heavy lifting (literally).
Ready to take the first step
Whether you’re buying your first home or your next one, FCB Banks is ready to help you move forward with mortgage options designed around your needs.
Apply NowAlready own a home?
If you're interested in changing the rate, term or payment of your current mortgage, learn more about Mortgage Refinancing
Learn MoreExplore Home Equity Options
Learn how you may be able to use the equity in your home to fund renovations, consolidate debt, or cover major expenses with a Home Equity Loan or Line of Credit.
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