Buying a home is a stressful process for anyone, but buying your first home can be entirely overwhelming. For many people, a first home purchase is comprised of several smaller firsts, such as the first interaction with a real estate agent, a lawyer, appraiser, or even a lender.  There is more involved than just signing on the dotted line, and the overall process can sometimes take several months.  

Here’s how Lakeland Credit Union’s experienced and knowledgeable staff can help you navigate the home buying landscape with confidence:

• Planning: Visit us as soon as you start considering a home purchase. We'll discuss aspects of the down payment, such as how much you need, how it can grow, and using your First Time Home Buyer's Plan. We'll give you an estimate of what you could afford and what your payments would be. There are also insurance, taxes, legal and appraisal costs to consider. You may not be ready to buy right away, or your ideal home may not be available, but you'll have a clear and realistic plan for the future.
• Pre-approval: Once you’re ready to start serious house shopping, visit us for pre-approval. You can shop with confidence knowing exactly how much you can afford, and you’ll be ready to make an offer as soon as you find the right place. There is no cost or obligation to you. 
• 90 Day Rate Guarantee: Your pre-approved rate is guaranteed for 90 days. Plus, if rates go down, you get the lower rate! You have time in case an initial offer doesn’t go through, or you don’t find your perfect place right away.