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      Windpower Conference

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      Chad Fleming – Patriot Tour 2018

      Chad Fleming – Patriot Tour 2018

      Captain Fleming has been deployed overseas six times with the U.S. Army’s elite 75th Ranger Regiment in support of both Operation Enduring Freedom and Operation Iraqi Freedom.  He has been wounded in combat on three separate occasions and has undergone 23 surgeries,...

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      David Goggins – Patriot Tour 2018

      David Goggins – Patriot Tour 2018

      There is no one quite like Chief Petty Officer David Goggins.  As a Navy SEAL, Goggins was one of an elite group of men regularly sent on some of the toughest missions in the world.   Goggins’ military record is astonishing.  He is the only member in the U.S. Armed...

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      Taya Kyle – Patriot Tour 2018

      Taya Kyle – Patriot Tour 2018

      Taya Kyle is the widow of late U.S. Navy SEAL sniper Chris Kyle commonly known as the American Sniper after the title of his New York Times Best Selling memoir of the same title.  After the book was made into Academy Award winning film directed by Clint Eastwood,...

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      The Veterans Home Front – Benchmark Mortgage

      Your Dedication wasn't ordinary. Your mortgage isn't either. At Benchmark, our motto is to always do right by the Veteran. That means ensuring Veterans get the American dream they served to protect. When it comes to VA loans, our team of certified Veteran Specialists...

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      The Home Buying Process

      1. Get Pre-Qualified and Pre-Approved

      The first thing to do is to meet with a mortgage professional and get prequalified and pre-approved for a mortgage loan prior to making an offer. Many sellers will not accept an offer without a pre-qualification letter.  

       

      2. Determine How Much You Can Afford

      The mortgage prequalification process is essential to determine how much you can afford. When you receive a mortgage prequalification letter you know what loan amount is affordable for you and what price range to shop for homes. Now, when you find the home of your dreams you don’t have to worry about not qualifying for the mortgage amount.

      3. Find Your Real Estate Agent

      Once you know what mortgage amount is affordable for you, it is time to find a real estate agent. The real estate agent’s job is to represent you through the purchase process from purchase offer to closing. We are happy to provide referrals for qualified agents we have worked with in the past.

      4. Finding A Home

      Work with your real estate agent to determine what factors are most important for you during the home search. Make sure you are working with a highly experienced agent. Once you have submitted an offer, your real estate agent will play a crucial role in the contract negotiation process.

      5. Getting a Home Inspection

      A professional home inspector will inspect the home to look for deficiencies in the home you are about to buy. The inspector looks for roof damage, foundation problems and any other problems with the home that may result in expensive repair costs. 

      6. Final Contract Negotiations

      Some mortgage loans, such as FHA, have specific inspection requirements that have to be met. Your mortgage professional will educate you on any specific loan requirements  during the pre-approval process.  If the home inspection uncovers any deficiencies, your real estate agent will work with you to negotiate repairs or make adjustments to the original contract based to mediate repair costs. 

      7. The Underwriting Process

      Underwriting is the lender’s process of verifying income, assets, credit history and the value of the property. This involves reviewing bank statements, credit reports, tax returns and other documents. Remember, do not make any large purchases or open any new credit accounts without talking to your mortgage professional first.

      8. Going to the Closing Table

      On closing day, your mortgage professional and your real estate agent will join you at an attorney’s office or title company to close the loan. A licensed real estate attorney will walk you through the process and explain all the details contract and mortgage. When you leave, you will have keys to your new home!

      Benchmark Southeastern Partners

      100 Concourse Pkwy #130

      Hoover, AL 35244

      205.994.6050

      NMLS# 198479

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      Since 2001

      About Divi Bistro //

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      Our Vision

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      Our Mission

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      Our Values

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      Benchmark Birmingham AL

      242 Inverness Center Dr #201

      Birmingham, AL 35242

      NMLS# 198479

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      Benchmark Pensacola FL

      242 Inverness Center Dr #201

      Birmingham, AL 35242

      NMLS# 198479

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