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Home Purchase Basics

Congratulations on your decision to buy a new home! There are many important things to consider throughout the process, especially if you're a first-time homebuyer. Here's some information that will keep you on track.

In General....

A home purchase may be your largest financial decision to date, so it's important to make the right ones and to keep an eye on the details. With the assistance of your Loan Officer and Real Estate Agent, it should be an efficient, pleasant, and ultimately rewarding experience.

Count On Your Loan Officer To:

  1. Recommend the right loan to meet your personal situation and goals with the best rates and fees.  This will save you a significant amount of money "up front" and for years to come.
  2. Keep you informed of your loan status throughout the entire process.
  3. Keep your Real Estate Agent informed of our loan progress (Note: your personal information is always kept confidential between you and us).

Count On Your Real Estate Agent To:

  1. Negotiate the best deal for you. With a Pre-Qualification letter from us in hand, your Real Estate Agent will be able to demonstrate that you are a qualified and capable borrower. This will strongly influence the Seller, and may make the difference between the Seller accepting your offer or someone else's -- even if your offer is lower!

Count On Yourself To:

  1. Make sure you are pre-approved as early as possible. This will put the power of financing behind you so you can concentrate on selecting your home.
  2. Keep the process moving by providing documentation and decisions as soon as reasonably possible. By doing so, many of the details are taken care of early in the process so you can comfortably concentrate on any last-minute details or events that require your attention.
  3. Enjoy purchasing your home, but do remain objective throughout -- to make the business decisions that are best for you.
  4. Keep your Real Estate Agent informed of any questions or concerns as they develop.
Pioneer Bank & Trust
125 E. Colorado Blvd, Ste 1A, Spearfish, SD  57783
Office:  (605) 717-2265
realestate@pioneerbankandtrust.com
Copyright © 2017 Pioneer Bank & Trust
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