Buying a

Home

Get your Loan Pre-approved

Start My Loan Process

Find Out What You Qualify For &

Estimate Your Mortgage Payment!

WHEN DO YOU THINK YOU WILL IN THE PROCESS OF BUYING THIS PROPERTY?

WITHIN 30 DAYS

IN 2 - 3 MONTHS

IN 3 - 6 MONTHS

DO YOU HAVE A PREFERRED CITY FOR YOUR NEW PROPERTY?

WHAT IS YOUR BUDGET OR PRICE RANGE FOR THIS PROPERTY? *

WHAT IS YOUR BUDGET INTENTION FOR DOWN PAYMENT? *

WHAT MONTHLY PAYMENT ARE YOU CONFORTABLE WITH FOR YOUR NEW HOME?

HOW MANY INDIVIDUALS ARE APPLYING FOR THIS PURCHASE? *

I AM THE ONLY ONE

ME AND ANOTHER PERSON

ME AND 2 OTHER PEOPLE

WHAT IS YOUR CURRENT EMPLOYMENT STATUS? *

EMPLOYED

SELF EMPLOYED

RETIERED

WHAT IS THE LENGTH OF YOUR CURRENT EMPLOYMENT STATUS *

HOW MUCH IS YOUR MONTHLY OR ANNUAL INCOME INCLUDING THE TAX CONTRIBUTION? *

WHAT IS YOUR CURRENT FICO SCORE? *

HOW WOULD YOU LIKE US TO COMMUNICATE WITH YOU?

Phone Call

SMS

Email

Full Name

Phone *

Email *

I Consent to Receive SMS Notifications, Alerts & Occasional Marketing Communication from O1ne Mortgage Inc. Message frequency varies. Text HELP to (XXX) XXX-XXXX for assistance. You can reply STOP to unsubscribe at any time.

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GUIDE TO BUY A HOME

Home Buyer Mortgage Guide for Lancaster, CA

Your Step-by-Step Guide to Buying a Home in Lancaster

Step 1: Assess Your Finances

Evaluate your budget, credit score, and savings. Aim for a credit score above 620 for better mortgage rates in Lancaster.

Check Your Credit Score

Step 2: Get Pre-Approved for a Mortgage

Contact lenders to get pre-approved. This helps you know your budget for homes in Lancaster, where median prices are around $800,000.

Step 3: Calculate Your Mortgage and Income Requirements

Estimate monthly payments and required income based on home price, down payment, and debts.

Your Required Annual Income: $0

Monthly Mortgage Payment: $0

Property Taxes: $0

Homeowners Insurance: $0

Total Mortgage Payment: $0

Purchase Price: $800000

Down Payment: $160000

Interest Rate (%):

Loan Term (Years):

Monthly Payment Liabilities

Auto Loan: $450

Credit Card Payments: $600

Other Loans/Creditors: $0

Step 4: Find a Real Estate Agent

Hire a local agent familiar with Lancaster’s neighborhoods.

Find a Lancaster Agent

Step 5: Search for Homes

Explore homes in Lancaster using online platforms. Filter by price, size, and features.

Browse Homes in Lancaster

Step 6: Make an Offer

Work with your agent to submit a competitive offer based on Lancaster’s market trends.

Learn Offer Tips

Step 7: Home Inspection and Appraisal

Schedule a home inspection and appraisal to ensure the property’s value and condition.

Find a Lancaster Inspector/Appraiser

Step 8: Finalize Your Mortgage

Complete your loan application and submit documents to your lender.

View Document Checklist

Step 9: Close on Your Home

Sign final paperwork and pay closing costs (typically 2-5% of the home price in Lancaster).

Learn About Closing Costs

Step 10: Move In!

Congratulations! Plan your move to your new Lancaster home.

Find Movers in Lancaster

Office:
44620 Valley Central Way,

Lancaster, California 93536

Call

+16613848431

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