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1.
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Determine Your Home Needs
Determine your home needs such as the number of bedrooms and bathrooms, the size of your home in square feet and the size of your property.
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2.
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Visit a Sales Office
Visit a sales office to see the homes and communities offered by YCH Communities, L.L.C.
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3.
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Meet with a Lender
Meet with a mortgage lender to get pre-qualified and determine which loan program best fits your financial needs. See Mortgage Information.
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4.
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Review Loan Process
Review the loan process and monthly payment estimates including principle, interest, taxes, insurance and homeowners dues).
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5.
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Get an Estimate
Obtain a good faith estimate from a preferred lender to clarify closing costs.
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6.
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Choose a Community
Choose a community, floorplan and lot location with your sales person.
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7.
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Make a Deposit
Contact your sales person and make the deposit to hold your new home.
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8.
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Get a Preliminary Loan Committment
Contact your home loan lender to get a preliminary loan committment and good faith estimate.
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9.
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Secure Your Downpayment
Be sure you know where your downpayment is coming from to have it ready for your lender.
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10.
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Choose Your Home Options
Choose your home options with your sales person.
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11.
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Sign Your Purchase Agreement
Sign the purchase agreement with the copy of your pre-qualification letter from your lender.
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12.
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Provide Documentation
You MUST provide the necessary documentation to your lender for loan processing and underwriting.
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13.
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Get Final Approval
Obtain the final loan approval from your lender.
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14.
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Sign the Documents
Sign the documents and deposit escrow charges which are equal to the balance of the down-payment, closing costs and pre-paid costs.
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15.
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New Home Orientation
Make an appointment with a Customer Service Representative for a homeowner orientation of your new home and community.
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16.
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Closing the Deal
Recieve your loan funding, recording and closing information.
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17.
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Move In!
Receive your keys, homeowner warranty and MOVE-IN!
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