Purchase a Home

We recommend you find financing before you find your dream home.  There are many great loan programs still available today.

ALCOVA offers a FREE, No Obligation Credit Review in order to help get you pre-approved for the mortgage that fits your needs. This pre-approval costs you nothing and provides valuable information to aid you in your home search.

We’ll tell you:

  • how much you can afford
  • what your monthly payments will be
  • the amount necessary for down payment

Once we analyze your information and find the loan that fits you best we will issue a pre-approval letter.  After obtaining the pre-approval letter you can begin looking for your home with confidence.  If you are not already working with a Realtor, we recommend choosing a buyer’s agent that will work for and represent you in your quest to find that perfect house.  Ask your Loan Officer, they can recommend a great Agent.

Once you find the house you wish to purchase, the Realtor will negotiate an offer for you.  Most offers require a pre-approval letter and if you have one it will help make the negotiation process for your new house much more efficient.  Once an offer is accepted, contact us to get started on finalizing your loan approval.