Your Path to the American Dream
First American is committed to making homeownership a reality for all Americans. The resources and information on this site are designed to assist you in making informed decisions as you plan to purchase a new home. From the start of understanding your credit to the steps for closing on your new home, we hope you find this site of great value to you.
Buying a home is easier than you think. Here is a clear, easy to understand overview of how to do it and how First American and our partners will help you achieve your dream.
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Do you have concerns about costs, about your credit? Do you have questions like: “What are ‘points?’ How do they affect what I would pay for my loan?” Here are detailed answers to questions about every stage of buying, owning or selling your home.
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This is the first question that most people ask, and the answer is often: more than you expect. There are dozens of programs to help you with down payments and loans, especially if you are a first-time homebuyer.
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By the time you reach the closing of escrow or settlement table (same thing, different names in different states), almost a dozen people will have done something in the processing of your purchase. Each one wants to be paid for those efforts.
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The US is a credit economy: we borrow money to buy houses, cars; we even use credit cards to buy our groceries and gas. One of the main tools to make this widespread use of credit possible is the credit report.
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Many mortgage lenders are happy to give you an initial estimate of how much money they will lend to you for a home purchase and a letter that documents that amount.
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