Planning Ahead For A Seamless Home Purchase
Bridgette and her partner Kevin met with our team two years before they bought a home to learn strategies to put themselves in the best financial position possible for their future investment.
The Client
Bridgette Crocker is a mom of three and wanted to own a home that was large enough for her kids to have their own space.
She and her partner, Kevin, initially met with our founder and president, Kelly Pensoneau, a few years before they were ready to buy. Kelly looked at their credit scores and overall financial situation and advised them to wait about a year before applying for a mortgage. He offered helpful tips and tools so they could save money for a down payment, build their credit to qualify for a better interest rate, and feel confident in their purchase when the time was right.
They decided to take his advice and rent a home for a time until they were ready to buy.
The Challenge
The housing market in the Oklahoma City metro area started to heat up and properties were selling quickly, often above asking price.
Bridgette and Kevin were worried that they could get priced out of the market if they waited any longer, so they got back in touch with the Lincoln Lending team to start their buying journey.
They trusted Kelly and, according to Bridgette, “having someone guide us through the process like he did was very, very important for us.”
Because they had previously met with Kelly and already done the work to get in the best financial position possible, they were ready to quickly jump into house-hunting. They looked at many properties and made a few offers before they found the right home.
The Process
According to Bridgette, the process with the Lincoln Lending team was easy, clear, and stress-free. “They made sure that we knew right away about any step in the process that we needed to handle. They were communicative and were always in touch about what to expect and what was next. It was perfect.”
She felt that our team was knowledgeable and detail-oriented. “They were always one step ahead of where I was. I never felt like I had to ask ‘What happens next?’ It was always just presented to me.”
The Success
Though it took a few offers to land on the right home, Bridgette and her family are now living in the perfect home that meets their specific needs. They have peace over the houses that didn’t work out, feeling like they actually ended up in the best one possible.
Our team was able to secure an interest rate that was more than satisfactory for Bridgette and made financial sense for her and her partner. After two years of preparation, they felt comfortable and confident in their mortgage investment.
If you’re thinking about purchasing a home in the future, visit our website to learn more about our free, no-obligation Home Loan Coaching Sessions. We’d love to offer suggestions and advice to set you up for success when the time is right to buy your home.
