Homebuying 101 - Finding Your Home

Finding your home

With the right tools and resources, finding a home that fits your lifestyle, budget and needs can be easy. OCCU is here to offer helpful tips and answer any questions you may have along the way. Before you start your home search, start planning with the tools below.

Prioritize your needs

When it comes to finding your perfect home, you should consider more than what you want. You should also pinpoint what you don't want, as well as what you don't need to feel at home. By knowing these things ahead of time, you'll save time with a more useful home search. Before you start looking for homes, make sure you know what you'll need

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Find your real estate agent

Picking the right home starts with picking the right real estate agent. During your home search, a real estate agent will help you find homes within your budget that reflect your priorities. Once you've found a home you'd like to move into, a real estate agent will help you submit an offer and negotiate price. If your offer is accepted, they will also help to arrange a home inspection. Make sure you choose a real estate agent you can trust. Have a family member, friend or OCCU loan officer recommend a local real estate agent or look for one on RMLS™.

Find Your Realtor

Start your home search

Once you've prioritized your needs and found a REALTOR, you'll be prepared for a more focused home search. For starters, check out listings in your favorite areas. Click below to start your search for home, sweet

Start your home search

Home ownership

Owning a home is a rewarding experience. Learn how to make the most of it with our helpful home ownership articles.

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What’s the deal with Private Mortgage Insurance?

If your down payment is less than 20 percent of the value of the home you'll most likely be required to carry private mortgage insurance.

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The 4 Cs of mortgage lending

Your ability to get a mortgage depends on four primary factors: your credit history, financial capacity, available capital, and collateral.