State Savings Bank

Preparing for Home Ownership

If you're thinking about buying a home, you're not alone. Thousands, if not millions of people view real estate listings each month. But going from thinking about buying to being ready can be a long process, especially if you're a first time homebuyer. To help you navigate your homeownership journey, we've put together this guide. Find where you fit below and click a heading to zero in on the information you need!

LearnI'm Researching Mortgage Financing

Homeownership is in my future but I'm not sure how soon. I'm trying to learn as much as I can about the home financing process to understand what I need to be thinking about if I'm serious about someday buying a home.

SaveI'm Thinking about my Down Payment 

I know enough about the process to know I need to save for a down payment. I want to figure out how much I need to save, how to set savings goals and if there are products or programs that can help me get a down payment faster.

PrepareI'm Looking and Preparing to Purchase

I see the possibility of a purchase nearing and I want to know what to do and what not to do so when I find the home I want, obtaining my financing is as smooth and free from surprises as possible.

ApplyI'm Ready to Apply for Financing

I'm pre-qualified, I've found a home, had my offer accepted and I'm ready to obtain my mortgage.

I'd Like to Contact a First Time Homebuyer Specialist

Wherever you are in this process— from just learning about the process to ready to fill out your mortgage application, we're available to discuss your unique situation, answer questions and offer resources or suggestions. Fill out our contact form and let us know what we can help you with.

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