How to Buy a House | West Coast Capital Mortgage Inc.

1. Review your finances

Take stock of income, debts, and savings to understand what you can comfortably afford.

2. Check your credit

Review your credit reports and scores, and address any issues early.

3. Estimate your budget

Use calculators to estimate a monthly payment that fits your life.

4. Get preapproved

A preapproval clarifies your budget and strengthens your offers.

5. Choose your loan program

Compare conventional, FHA, VA, and other programs with your advisor.

6. Find a real estate agent

Partner with an agent who knows your target market.

7. Shop for homes

Tour homes within your price range and priorities.

8. Make an offer

Submit a competitive offer with your preapproval in hand.

9. Complete the appraisal

The lender orders an appraisal to confirm the home’s value.

10. Go through underwriting

Underwriting verifies your documents and finalizes approval.

11. Review the closing disclosure

Review your final terms and costs at least three business days before closing.

12. Close and get the keys

Sign your documents, fund the loan, and take ownership of your home.

Ready to take the next step?

Start with a short mortgage intake and we will help you understand your options.

You will be redirected to our secure mortgage application portal.