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Ultimate Guide to a Home Purchase

Learn the path to home ownership with this step-by-step home purchase course.

Confused? Anxious? Just not sure where to begin? You are in the right place with this ultimate guide to home purchasing!

The goal of this website section is to help you understand the home loan process, provide insights into mortgage guidelines we must follow and go way beyond the typical call of duty to hopefully establish a long-lasting relationship where I'm trusted to handle home loans for you, family, extended family, neighbors and friends.

This Ultimate Guide to a Home Purchase was written to be followed step-by-step for those newer to home loans, but please feel free to jump around to quickly find the answers you are looking for.

Let us begin, shall we? The guides below are listed in order from beginning to advanced. Once you find a topic that interests you, click the top image or the blue "Read More" button.

Once you are on the page, look for a Table of Contents to navigate to sections of that page that may interest you. To visit other pages, either return here or utilize Course Navigation section on the right (desktop, tablets) or bottom (mobile) to find your way around.

All guides personally written and maintained by Scott Buehler, your Senior Mortgage Consultant.

Learn About How to Purchase a Home with a Mortgage - Call Scott - 4355901019

How to Purchase a Home with a Mortgage

The goal of this page of the Complete Beginner's Guide to Home Buying, you will discover how the mortgage process works from the very beginning to the end.
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Learn About First-Time Homebuyer Mortgage Programs - Call Scott - 4355901019

First-Time Homebuyer Mortgage Programs

Looking for my recommendation for first-time homebuyers? This guide shows you available mortgage programs along with lists of features.
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Learn About Utah Down Payment Assistance Programs - Call Scott - 4355901019

Utah Down Payment Assistance Programs

In Utah and looking for a list of mortgage programs that feature down payment assistance solutions? Try this guide to get started today!
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Learn About California Down Payment Assistance - Call Scott - 4355901019

California Down Payment Assistance

In California and wondering what down payment assistance solutions are available with me as your lender? Try this guide to get started today!
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Learn About The Mortgage Application Checklist - Call Scott - 4355901019

The Mortgage Application Checklist

On this page of the homebuying guide, you will discover what may be required of you to document your income, debts and more. What do I prepare in advance?
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Learn About The Roles of a Home Purchase Transaction - Call Scott - 4355901019

The Roles of a Home Purchase Transaction

Ever wonder who does what in the mortgage process? What does a Loan Officer, Loan Processor or Loan Underwriter do exactly? Learn here!
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Learn About The Mortgage Prequalification Letter - Call Scott - 4355901019

The Mortgage Prequalification Letter

Has a real estate agent or REALTOR® has asked you for a mortgage prequalification or pre-approval letter? Here's what they are and how to get one.
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Learn About Mortgage Application Walkthrough - Call Scott - 4355901019

Mortgage Application Walkthrough

On this page you will find a step-by-step walkthrough of my mortgage application process including various notes of the various options and screens.
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Learn About Top 11 Mistakes to Avoid During the Home Loan Process - Call Scott - 4355901019

Top 11 Mistakes to Avoid During the Home Loan Process

See common home loan mistakes that may delay or cause an adverse event in your home purchase process.
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Learn About House Hunting Tips and Home Shopping Mistakes to Avoid - Call Scott - 4355901019

House Hunting Tips and Home Shopping Mistakes to Avoid

Learn house hunting tips and mistakes that you should know before beginning the house hunting journey.
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Learn About Best Mortgage Programs for 2022 - Call Scott - 4355901019

Best Mortgage Programs for 2022

Looking for a short list of mortgage programs available for any homebuyer? Learn the best mortgage programs specific to your buying situation.
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Learn About Utah Conforming Loan Limits 2022 - Call Scott - 4355901019

Utah Conforming Loan Limits 2022

Both Fannie Mae and Freddie Mac set limits on Conventional home loans that they will buy or guarantee. Learn the 2022 Utah limits by county.
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Learn About Utah FHA Loan Limits 2022 - Call Scott - 4355901019

Utah FHA Loan Limits 2022

Plan to use FHA for a lower down payment? Learn the FHA loan limits in Utah for 2022. Here you will find a complete list of all Utah counties and their current FHA loan limits.
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Learn About California Conforming Loan Limits 2022 - Call Scott - 4355901019

California Conforming Loan Limits 2022

Both Fannie Mae and Freddie Mac set limits on Conventional home loans that they will buy or guarantee. Learn the 2022 California limits by county.
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Learn About California FHA Loan Limits 2022 - Call Scott - 4355901019

California FHA Loan Limits 2022

What are the FHA loan limits in California for 2022? On this page, you will find a complete list of all California counties and their current FHA loan limits.
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Learn About Creative Solutions for Down Payment and Closing Costs - Call Scott - 4355901019

Creative Solutions for Down Payment and Closing Costs

I don't have the full down payment needed along with closing costs, what are my options? Here you will learn creative solutions that may help!
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Learn About Tools to Digitize Your Mortgage Documentation - Call Scott - 4355901019

Tools to Digitize Your Mortgage Documentation

Don't have a scanner but need to send in loan documentation? Did Juno there are many solutions and resources available including a way to use your phone as a scanner? Learn more here!
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Learn About Understanding the Conditional Approval - Call Scott - 4355901019

Understanding the Conditional Approval

What is a mortgage conditional approval? Should I be worried? Underwriting has reviewed your loan and has made a decision after certain conditions are met. See what this means!
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Learn About Understanding the Final Approval - Call Scott - 4355901019

Understanding the Final Approval

Alright! You've reached final approval! At this step of your loan, you've met the requirements and conditions to close on your mortgage. Here's what to expect next.
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Learn About Guide to Closing on a Home - Call Scott - 4355901019

Guide to Closing on a Home

After you've booked an appointment with your title company, you may be wondering what the loan closing process looks like. Here's what to expect during your loan closing.
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