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Home Buying Basics

Whether you’re buying your first home or your fifth, it’s important to make the decisions that are right for you, understand each step of the home-buying process, and keep an eye on the details. Countybank Mortgage’s team of experts can help make the whole process efficient, pleasant, rewarding, and as stress-free as possible.


It’s important to know who is responsible for each step of the home-purchasing process. Let’s start by developing an understanding of your role as the buyer, as well as the roles of the Real Estate Agent and Mortgage Consultant. 

The Buyer

  • Pick a team of experts who will help you every step of the way.
  • Keep your Real Estate Agent informed of any questions or concerns as they develop.
  • Keep the process running smoothly by providing documentation and decisions in a timely manner.
  • Find the right balance between enjoying the home-buying process and remaining objective and observant. It’s important that you make the business decisions that are right for you.
  • Get pre-qualified as early as possible. This will put the power of financing behind you so you can focus on selecting your home.
  • Stay in communication with your team — this is very important as the process begins moving. 

The Real Estate Agent

  • Previews all available homes and weeds out any that do not meet your wants/needs.
  • Presents homes that meet your specific criteria.
  • Helps differentiate homes that are “good buys” from those that may have to be discounted in the future (due to neighborhood, market appeal, etc.).
  • Negotiates the best deal for you by presenting a Pre-Qualification Letter from Countybank Mortgage. This can help strongly influence the seller by demonstrating that you are a qualified and capable borrower.
  • Navigates your contract to close out negotiations. 

The Mortgage Consultant

  • Assists in selecting a loan that fits perfectly into your life. This crucial decision can save you thousands of dollars over the years.
  • Keeps you informed of your loan status throughout the entire process.
  • Keeps your Real Estate Agent informed of your loan progress (NOTE: All personal information is kept confidential. Only relevant milestones are shared.)
  • Acquires your selected loan at the best rate available.