密歇根西南部蓬勃发展的房地产市场? Arbor Financial可以提供帮助!
Just like our warming temperatures, the housing market in Southwest Michigan is heating up. 库存紧张，竞争激烈. Local real estate experts are calling it a “log jam” 和 the “perfect storm of real estate”.
Don’t despair though, you can still find your dream house, but you need to be ready. Before you head to a single open house, we recommend you get your financial house in order. At 阿伯金融信用合作社我们有两个生成物 和 帮你买下一套房子的专业知识. Before you begin house-hunting, here are 5 steps to get prepared:
1) 进行“信用检查”
The more you know about your financials, the better position you’ll be in to buy a new home. Our members are eligible for an annual credit analysis with our experienced financial experts. 我们可以查看您的信用报告, 和 suggest options to help lower monthly payments 和 save you money.
Want more information on how to improve your credit score? 我们的新“信用评分指引” 电子书 解释为什么你的信用评分很重要, 如何保持良好的信用, 以及提高分数的方法.
2)抵押101
At 阿伯金融信用合作社, our advisors will help you 选择抵押 这符合你的需求. 这有助于理解你的选择, so here is a quick primer on Arbor Financial’s available home loans:
- Fixed-rate: Loan with flexible terms 和 stable monthly payments
- 3%首付:预付金额较小, this is a good option for first-time buyers with limited funds for a down payment
- Bi-weekly mortgage: Twice-monthly payments help reduce interest charges
- 10-year mortgage: A low, fixed interest rate with shorter payoff can reduce term or consolidate debt
- Physician mortgage: Doctors, dentists 和 veterinarians may qualify for special terms
- 大额贷款:超出通常限额的大笔贷款
- Construction loans: 低 rates 和 flexible terms designed for new home construction
需要看看数据? 试试我们的 抵押计算器. 输入您建议的按揭金额, interest rates 和 term to see potential monthly or annual payments.
3)你被(预)批准了!
好房子搬得快. 有些人在上市当天就卖掉了! To be in position to move quickly, we recommend securing your mortgage approval in advance. This “pre-approval” process can help expedite the home buying experience. Arbor Financial的预审批流程从一个 方便网上申请 我们将很快回复.
4)持续接触
知识就是力量，我们的团队将为您提供支持. While you’re looking at homes 和 then when you’re ready to make an offer, check in with us. Let us know if your needs have changed 和 how we can help. 投标接受? 祝贺你! We will assist you in finalizing the loan process 和 get financing in place in time for closing.
5)欢迎回家!
当你r members successfully buy a new home, we couldn’t be happier. We appreciate it when you share you stories 和 your fellow members want to hear from you as well. 这里有 一些快乐的房主和他们的旅程.
准备好了解更多? 我们是来回答你所有问题的. 联系 我们今天的代表!
