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Welcome To Your Home Buying Journey!

Take the time to educate yourself and follow this step-by-step guide to ensure a smooth process.

The Home Buying Basics

Purchase with confidence using this Home Buying Basics Guide, where you can find answers to common On Q Home Loans questions and tips to make the home buying process stress free.
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Step 1: Rent VS. Own

You can determine whether it is better to rent or own by examining a few of your circumstances and understanding the requirements of a home loan.
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Step 2: Save for your dream home

Calculate exactly what you can afford on your next home purchase, and consider your best options.
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Step 3: How long does it take to buy a house

Discover how to buy your next home in record time.
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Step 4: How to get pre-approved

Learn about the advantages of a pre-approval, one of the first steps in the mortgage process.
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Step 5: Finding a Realtor or Real Estate Agent

Find out how to locate your dream realtor with this complete guide.
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Step 6: House hunting guide

Find out more about what to look for when hunting for your dream home.
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Step 7: How to make an offer on a house

Learn how to make a winning purchase offer that catches your seller’s attention and ensures the home of your dreams.
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Step 8: Negotiate your purchase

If you’ve recently looked into buying a home, you might be wondering what closing costs are and how you can reduce them. Here are some of your options for negotiating the closing costs on your Dream Home.
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Step 9: Compare lenders

Find out what makes the best mortgage lender.
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Step 10: How to refinance

There are many benefits to refinancing, including lowering your interest rate. Find out more here.
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Step 11: The mortage process

Learn about your mortgage in 8 simple steps.
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How much will I need to read?

If you want to understand the mortgage process thoroughly, we recommend you read this entire guide.

For the beginner, these detailed articles will have most everything that you need to know, so take your time and make your way through each step at your own pace. In order to get the most out of this guide, we recommend you take notes and share what you have learned with your friends and family. Buying a home is a landmark event in many of our lives; that is why it is important that you take the time to educate yourself and follow this step-by-step guide to ensure a smooth process.