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First-Time Home Buyers Guide

Are you ready to buy your first home? Here’s a list of what you’ll need to get started, the smartest way through the home-buying process, frequently asked questions and list of common mortgage terms.

Steps to Homeownership

What You’ll Need to Get Started

  • Copies of license and Social Security card
  • Two most recent paycheck stubs covering at least 30 days year-to-date
  • Two most recent years signed tax returns including W-2s, 1099s, etc.
  • Current bank statements outside of Family Trust
  • Other asset accounts: 401(k), investments, etc.
  • Homeowners Insurance (name and agent)
  • Attorney to be used for closing
Your Steps to Homeownership We'll Take Care of the Rest
Complete online or in-branch prequalification application or make Mortgage Services appointment. Pre-qualification letter sent to borrower.
Begin shopping for new home. Submit loan for review and approval.
Return completed, signed sales contract to Family Trust.     Request and re-submit any additional documents needed for final approval.
Select a loan type and lock in an interest rate. Schedule closing for about one week after final approval.
Sign disclosures and return other requested items promptly. We will let you know how much your down payment/closing costs are 72 hours prior to closing. Sign final papers and get the keys to your new home.

Learn More

Read our Mortgages FAQ for more information. If you have any other questions, please contact us.

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