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102 E. Grand River, Brighton, MI 48116     PRIVACY POLICY | SITE SECURITY
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Home Buyer Step-by-Step

The most important step in the home buying process is first obtaining a Mortgage Pre-Approval, and to understand the home buying, mortgage process, and the time-line stages.

The following Pre-Approval package is provided by Victor Bals of Huron Valley Financial. He and his team will assist in meeting all of your Mortgage and Financing objectives.

NOTE: If you are working with or already have a lender in mind, they too will require the same documentation in the following pages.

Step by Step Home Buyers Package

The most important step in the home buying process is first obtaining a Mortgage Pre-Approval. This step-by-step guide will give detail of documents, timelines, and government regulations associated with real estate transactions. 

Pre-Lending Package

Financing Checklist

See the required documents needed to start your loan. Some additional documents may be needed based on the buyer's financial situation. 

Financing Checklist

Government Appraisal Checklist

This checklist is designed to assist you in identifying potential repairs associated with government financing available for properties that meet minimum health and safety requirements.

Government Appraisal Checklist

Property Scrub Sheet

This checklist is a valuable tool in identifying these potential concerns upfront and will assist in the decision making process and negotiations of a potential property.

Property Scrub Sheet

Mortgage Process Timeline

This is an approximate timeline of a residential real estate transaction. Be sure to check with the Victor Bals Team before setting a closing date.

Mortgage Timeline

Free Mortgage Services

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Credit Report & Analysis
Mortgage Planning
Rent vs. Own Analysis