The Home Buying Process

Buying or Refinancing a Home is Easier Than You Think

Purchasing a home is an emotional journey. After all, you’re not just buying a house. You’re investing in family dinners, lazy Sunday mornings and a yard built for backyard birthday parties. (Or at least, that’s the idea.)


At HAR-CO, we genuinely care about our members.

We believe in your dreams. Our knowledgeable team is ready to make you feel right at home.

Buying or refinancing a home is easier than you think. Following these steps will make your home-buying process as seamless, stress-free and affordable as possible.

Step 1: One-on-One Consultation

Call or stop in and meet with Terry Miller-Snee or Angie Gregory. Bring in proof of income (pay stubs, W2’s and federal taxes if self employed). They will review your credit report and credit score to determine how much home you can afford. Once your financial situation has been assessed, They will provide you with a pre-approval letter that states the amount HAR-CO would be willing to lend you for your home purchase.

Step 2: Finding Your Home

Find an experienced licensed real estate agent. Talk things over with your agent to determine what you really want and need in a home. This person will be your lifeline through the process. Start shopping! Once you’ve found the right home, your agent will work with you to present an offer.

Step 3: The Loan Process

Once your offer has been accepted and the contract is signed, HAR-CO will take your loan application, lock in your interest rate and order an appraisal. Additional documentation is required to process your loan:

  • Identification
  • Checks for appraisal and credit report
  • Bank statements
  • Gift letter (if using gift funds)
  • List of your debts
  • List of all your assets
  • Proof of rental payments
  • Signed sales agreement
  • Proof of income

Step 4: Schedule Property Inspections

Your Realtor will have a qualified Home Inspector evaluate the condition of the property, order a termite inspection and a well and septic test if applicable.

Step 5: Settlement

Once the loan process is complete and all loan conditions have been met, your settlement will be scheduled with an attorney or title company. A certified check or cashiers check will be needed for closing. Sign the required documents and you will receive the keys to your new home!

The Do’s and Don’ts of Your Loan Process


  • Change jobs
  • Purchase an automobile
  • Purchase other real estate
  • Co-sign for any loan
  • Apply for new credit
  • Make large credit purchases
  • Start any home improvements


  • Keep all accounts current
  • Make payments on all accounts on or before the due date
  • Keep copies of all paycheck stubs, bank account or asset statements

Assisting you on your journey to HOME SWEET HOME


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