You Can Rely on Rosedale
Our First-Time Homebuyers program is designed to put you at ease, answer your questions, walk you through the paperwork process, and help you choose a home price and mortgage terms that will fit your needs today and into the future. We’ll guide you through every step, from pre-qualification to closing.
Five Steps to Prepare for Buying a Home
1. Get Pre-Qualified for a Mortgage
Pre-qualification helps you understand your price range and shows sellers you’re serious. It is never too early to schedule an appointment with one of our Rosedale Bank mortgage loan officers.
2. Explore Loan Options and Assistance Programs
We’ll help you understand fixed-rate vs. adjustable-rate mortgages and determine if you are eligible for first-time buyer programs, down payment assistance, or closing cost grants.
3. Create a Realistic Budget
With guidance from our lending team, you’ll choose a home price and loan terms that fit your current income and future plans. Together, we’ll assist in estimating taxes, insurance, and maintenance costs.
4. Get Through the Paperwork (Don’t Worry, We’ll Guide You)
Buying a home involves a lot of documentation. Rosedale Bank’s first-time homebuyer program helps walk you through credit checks, income verification, disclosures, and more.
5. Work with Trusted Professionals
Partner with a knowledgeable real estate agent and stay in close touch with your Rosedale Bank loan officer. We’ll help you get answers and keep your mortgage process on track from offer to closing.