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Steps To Home Ownership

Home Ownership steps

Steps to home ownership (simplified) - Get the big questions answered first.

What can you afford, how much money do you need and when can you buy?
Select a qualified, experienced mortgage lender that you feel comfortable with and get the answers to these questions. Your loan officer will help you find and select the best loan program for your means, help you get pre-approved and guide you to closing.

Where and what can you buy?
Select a knowledgeable real estate professional who will listen to your needs and wish list to help you find a home in your price range. Your loan officer can refer you to an agent if you don’t have one.


  1. Your offer to purchase a home is accepted by a seller.
  2. The official mortgage process is underway: A professional appraisal will be conducted to verify the home’s value, your application and other documentation will be processed and you may be asked to submit additional documentation beyond what was required for pre-approval.
  3. A professional home inspection will take place if you chose to have one.
  4. Your closing agent (title or escrow company) will open your file and collect various items needed for final closing: A title search will be performed on the property and any items that need to be cleared in order for you to get financing and official ownership of the home will be noted and addressed. Your loan will be reviewed by the underwriter, including additional documents you provided after pre-approval, the property appraisal and title information in order to get final loan approval.
  5. Your closing will be officially scheduled: After final loan approval, you will sign your loan documents, disclosures, deeds and other documentation needed for final transfer.
  6. You loan is funded and documents will be recorded placing your mortgage on record and the title to the property in your name.
  7. Your get the keys to your new home!

As one of Florida’s premier lending providers, we believe in affordable, easy to understand lending. At Ideal Lending Solutions you will work one-on-one with a dedicated mortgage professional who can explain loan programs and offer great mortgage rates to meet your financial goals.

Ideal Lending Solutions | West Palm Beach | Boca Raton | Jupiter | Aventura
American Financial Network, Inc., DBA Ideal Lending Solutions, is not a government entity; CORP NMLS# 237341 ; Equal Opportunity Employer ; Equal Opportunity Lender American Financial Network, Inc. 10 Pointe Drive, Suite 330, Brea, CA 92821. Click here to view our current licensing information as listed on NMLS® Consumer Access.

Equal Housing LenderAmerican Financial Network, Inc. is an Equal Housing Lender. As prohibited by federal law, we do not engage in business practices that discriminate on the basis of race, color, religion, national origin, sex, marital status, age (provided you have the capacity to enter into a binding contract), because all or part of your income may be derived from any public assistance program, or because you have, in good faith, exercised any right under the Consumer Credit Protection Act. The federal agency that administers our compliance with these federal laws is the Federal Trade Commission, Equal Credit Opportunity, Washington, DC, 20580.

American Financial Network, Inc. is not acting on behalf of or at the direction of the federal government, and this offer is not being made by an agency of the government.