Step One:	Choose An Agent
Step Two:	Determine Credit Status
Step Three:	Create A Budget
Step Four:	Begin Your Search
Step Five:	Write Purchase Offer
Step Six:	Home Ownership

Portland Home Search Choose An Agent The benefits of having an agent are immeasurable. The right buyer's agent gives you an advantage over people who are searching on their own. Back to top

Determine Credit Status It is important to learn your credit status before you begin your home search. Knowing where you stand in regard to your credit history makes the process of budgeting and cost comparison much easier. More importantly, this knowledge can save you a lot of time and grief later on. After all, most people have a few blemishes on their credit report. These blemishes are much easier to overcome if discovered early in the process. If you wait until after you find the home of your dreams to review your credit report, you may be setting yourself up for heartache. Let the financial experts at Directors Mortgage Inc. help you determine your credit status. Directors Mortgage Inc. Complete Credit Consulting Back to top

Getting Your Budget Together Is A Snap With Directors Mortgage Inc. Create A Budget The budget is a major backbone of the home buying process. A budget takes into account how much total mortgage you can afford, how long you are willing to pay and a maximum monthly cost. It is imperative that you know what you can afford before you begin your home search. Let the financial experts at Directors Mortgage Inc. help you create a budget that fits your needs. Back to top

Begin Your Search There are several places you can look for a home. These places include: Portland area home search provided by Portland Home Search> word of mouth magazines newspapers The Internet is a wonderful resource for the homebuyer, and Portland Home Search wants to make the process as easy as possible for you. Comprehensive Home Searching Made Easy Right Here Back to top

Write Purchase Offer Once you find the house of your dreams, the next step is to write a purchase offer. Writing a purchase offer can be confusing, but your level of personal stress should be greatly minimized if you are working with a good agent. The first stage involves determining the actual value of the home you desire to purchase. The actual value is determined by comparing the features of the home to other similar homes recently sold in the neighborhood. Your real estate agent will go through a list of such homes, explaining which you can use to determine a competitive offering price. Once you assess the value of a home, you can make an offer. You should have the property inspected and negotiate for any necessary repairs. Back to top

Home Ownership Assuming your offer is accepted and you have secured adequate financing, it is time to transfer the title of the property. Once the deed has been transferred, you will be the proud owner of a new home! Back to top