Navigating Through The Loan Process

Dreaming of how to decorate your beautiful new home, from what accent colors you’re going to use to the cute “hello” doormat at the front door?

We have to start somewhere on this homebuying journey, so we will begin from the front door of Atlantic Bay all the way to the closing table and what adorable key chain you’ll pair with your new house key.

Step one: determining if you’re ready to buy a home

It’s step one for a reason. The decision to buy a home is absolutely one of the biggest decisions of your life. This step really decides if you’re financially ready: Do you have a steady income? How’s your debt-to-income ratio? How does your credit score look?

Step two: calculating how much home you can afford on your budget

Sometimes you get caught up in a Zillow spider web filled with Pinterest ideas that you have to come back down to Earth. After meeting with one of our mortgage bankers, you’ll get a better grasp on just how much you can afford in your monthly payments.

Step three: down payments, closing costs and everything in between

We offer a variety of products to suit your needs – we can go over those together and all other costs that you might not be expecting.

Step four: pre-qualification, come on in the waters fine

Whether you prefer more of a behind-the-digital-scenes or in-person meeting to discuss your options, we don’t have a one size fits all here at Atlantic Bay. Every home journey looks different and we’re here to accommodate yours however you see fit!

Step Five: it’s time for you to go home

If you haven’t already decided on the home of your dreams, now’s the time!

“Very easy and smooth process. The Atlantic Bay Team had always been available to answer questions and provide assurance the whole step of the way!” – Amber B.

It’s a great time to buy, so let’s get you on your way to homeownership. See how much you qualify for – start your process by contacting one of our mortgage bankers today!