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 needRead more about prioritizing your needs
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, sweetStart your home search
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.
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.