Home Buying 101: How to Get a Mortgage

The Rising Professional

What You Need to Know

For many people, buying a home is the biggest financial move they’ll ever make. Most homes are bought with mortgage loans, which let you buy property and come with tax-deductible interest.

If you’re in the market for a new home, especially if you’re a first-time homebuyer, take some time to learn the ins and outs of mortgage financing so you know what to expect. Here’s our guide.

Do This First

Before you begin shopping for a house, do your own homework to determine your creditworthiness and prepare for a conversation with a lender, says Bob Collins, mortgage broker at Signal Hill Mortgage in Signal Hill, California.

First, gather tax returns, pay stubs, and other paperwork that documents your income for the past two years. You’ll also need documentation of liquid assets, cash in the bank, as well as credit history and current income. That…

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Jan Kelley is a Top Producing Agent with a strong track record of success who began her career in Real Estate in 2011. Jan initially focused on working with buyers to find their perfect home in the right neighborhood for their unique needs and lifestyle. She further expanded her expertise to sales to help owners market their properties and achieve the best return. She was so successful, she began couching and training other agents. In 2019 to be able to serve all of her clients Real Estate needs she added Commercial Real Estate services. Specializing in residential and commercial leases, purchases and listing sales in the Northeast Dallas Metroplex, Jan knows the market well and offers excellent support, resources and guidance for those seeking or selling homes or commercial property. As a former nonprofit Executive Director of over 10 years and a small business owner, she understands the importance of community and the level of care each client deserves to make confident, informed decisions. Originally from Tulsa, OK, Jan attended Rogers State University and Tulsa Community College. Her career previously involved service to the community in non-profit, education and government. In 1992, Jan was recognized for operating one of the first National Accredited Preschools in Oklahoma, and then taught others how to receive their accreditation at Tulsa Technology Center. She was later appointed by the Governor of Oklahoma to implement the state’s workforce credentialing program at all of Oklahoma’s Technology Centers. Jan and her family moved to Texas in 2011. She and her husband of 39 years are proud parents and grandparents. Jan is a licensed REALTOR®, Seller Representative Specialist (SRS®), Accredited Buyer Representative (ABR®), Certified Negotiation Expert (CNE®), Pricing Strategy Advisor (PSA®), Benefits Association VABA member and a member of Rockwall Chamber of Commerce, Professional Women's Alliance and 100 Business Leaders of Rockwall County. Jan is constantly studying the local real estate market and acquiring new, valuable information to share with her clients. She believes in staying connected through active networking, volunteering and community involvement, to “enhance the quality of life and remain abreast of the decisions that affect us all.” Certified Negotiation Expert CNE® Seller Representative Specialist SRS® Accredited Buyer's Representative ABR® Pricing Strategy Advisor PSA® Veteran’s Advocacy and Benefits Association VABA member Rockwall Chamber of Commerce member Professional Women's Alliance PWA member 100 Business Leaders of Rockwall County member

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