How To Get Started:

  1. Call a lender to get prequalified for a mortage.  To get prequalified, you just need to provide some financial information to your lender, such as your income and the amount of savings and investments you have. Your lender will review this information and tell you how much the bank can lend you. This will tell you whether or not you're in the price range of the home you are interested in purchasing. Later, you will get preapproved for your mortgage, which involves providing your financial documents (W-2 statements, paycheck stubs, bank account statements, etc.) so your lender can verify your financial status and credit.

  2. Talk to a real estate agent.  Real estate agents are important partners when you're buying a home. Real estate agents can provide you with helpful information on homes and neighborhoods that isn't easily accessible to the public. Their knowledge of the home buying process, negotiating skills, and familiarity with the area you want to live in can be extremely valuable. And best of all, it doesn't cost you anything to use an agent - they're compensated from the commission paid by the seller of the house.

  3. Talk to the construction staff.  If the home you are interested in is still in the construction process you can have a say in the final product of you new home!  You can sit down with the construction staff and choose what features of your new home you like to see.  Or if you'd like to build a home from scratch, you can do that too!  CHWC offers you the ability to have us build your customized home, contact CHWC Real Estate Coordinator

  4. Talk to a Housing Counselor.  If your home is completely finished then go ahead and skip step 3 and come to step 4.  CHWC Housing Counselor will guide you through the last stages of your journey to a new home and can tell you more about Downpayment and Closing Cost Assistance programs in the community!