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Brad Lynch
RMLO NMLS 206799
c: (469) 450-2723
o: (972) 537-0665
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700 State Highway 121 Bypass, Suite 150
Lewisville, TX 75067
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Homebuyer’s Guide

Be Prepared When Buying a Home

It’s important to be prepared when buying a home. To help you in doing so, we have assembled information to guide you through the home buying process. If you have any questions concerning the home loan process, please contact your Premier Home Mortgage Loan Expert who is on standby ready to assist you with your home mortgage needs.

Download the Homebuyer’s Guide

Step 1: Planning For Success

Before you start searching for a home, it makes sense to have a solid home buying plan in place. It’s important that you know certain things, like why you want to own a home, what price can you afford, your home buying options, who will you work with, etc.

Step 2: Understanding Mortgage Rates

  • What should I do first? First, consider whether you want to buy a home based on your personal situation. Understanding the benefits of owning, including the potential tax adjustments, is a good place to start.
  • How much can you afford? If you decide to buy a home, the next question would be to find out how much house you can afford. Creating a home buying budget can help you set realistic goals.
  • What type of house? Once you have a budget in place, consider the different types of housing options.
  • Who can help? Premier Nationwide Lending will be here for you every step of the way.

Once you have the home buying plan in place, you’ll need to spend some time in understanding mortgage rates, discount points, and annual percentage rates (APR), among other things. Mortgage interest rates may vary widely depending on a number of factors and your choices can help you get the lowest rate possible. Loans for Low-Income Homebuyers -

  • Choosing between a fixed or adjustable rate is an important decision that you’ll need to make when you select a mortgage.
  • Shorter terms tend to produce lower interest rates.
  • Paying discount points upfront can help lower your interest rate over time.

Depending on your personal situation, there may be a number of additional ways to lower your interest rate. If your state or local government considers you to be a low-income homebuyer, you may be eligible for the special low-rate loan programs. Your Premier representative will be happy to assist you in one of our Down Payment Assistance programs.

Step 3: Getting Organized

Get organized by knowing your credit history, gathering together your personal financial information, and learning more about the different types of mortgages and rates that are available. Getting ready ahead of time will help the process move quickly and smoothly. Take the following steps before you begin the prequalification process.

Step 4: Contact Us

  • Review your history: It’s a good idea to understand your credit score and review your credit history at the beginning of the process. Even if you have less-than-perfect credit, you may still qualify for a mortgage.
  • Gather your financial records: Premier will require specific financial records to approve and process your loan.

Before you start shopping for a house, talk to a Premier Nationwide Lending loan officer. They can provide you with valuable advice about the home buying and mortgage processes, and can help you get qualified for a loan. They can explain all of the rate and discount points, and help you consider all of your financing options.

Step 5: Find a Home

  • Advice you can count on. Your Premier Nationwide Lending loan officer has experience in working with all types of homebuyers needs. They can help you find the right loan to fit the needs of you and your family.
  • The importance of prequalification. When you get prequalified, you aren’t actually applying for a mortgage, but asking a lender to help you create a reasonable home-shopping budget.

Now that you’ve established a home-buying budget, the next step is to find a house. Premier can give you advice on making an offer and when to apply for your mortgage. To make your search easier, Premier can provide you with a Homebuyer Checklist to help you keep track of the properties you visit. By checking off the specific features of each home you visit, you’ll find it easier to compare your choices when it’s time to make your final decision. But before you begin your search, you’ll need to make a few key decisions.

  • What do you want in a home?
  • How many bedrooms do you need?
  • Do you require a garage or a basement?
  • What kind of schools are in the area?

Will You Work With a Real Estate Agent? Many homebuyers choose to work with a real estate agent to find a home. Since finding a home, negotiating the contract and closing the deal is such an important process, an experienced agent can provide guidance to help you avoid potential pitfalls. A reputable buyer’s agent should have vast knowledge of the real estate, price trends and neighborhood conditions. The agent will help you shop for your home, tour properties and be your negotiator, if bargaining over price is necessary. Who Is a Buyer’s Agent? A buyer’s agent is a real estate agent who represents only you and the purchase of your home. Be sure that you understand whom the agent is representing in a transaction. Remember that a seller’s agent is working for the seller - not you. Buyers are interested in getting the lowest price possible. If you decide to use a real estate agent, you should take great care in selecting one who meets your needs.

  • As a buyer, there’s typically no cost to you in working with a buyer’s agent.
  • Typically, the buyer’s agent receives part of the commission paid by the seller upon the sale of the home.

Step 6: The Road to Closing

You’ll need to make a number of important decisions between applying for a mortgage and closing the sale. Premier can help you prepare. The “closing” occurs when the finalized loan documents are signed and the mortgage funds are disbursed. At this time, you will officially own your home! It is important to understand what happens in the closing process before you get to it. This ensures everything is in place for a smooth closing.

Step 7: Service Continues

Once your home purchase is complete, our Premier Nationwide Lending mortgage representatives will be available to answer all of your questions during the life of your mortgage. Premier Nationwide Lending will be your Lender for Life.

Residential Mortgage Loan Originators

Brad Lynch started as a loan officer in 2002 helping the families of Dallas and North Texas area find the right financing for their needs, whether purchase or refinance. After working during the times of subprime mortgage and seeing the industry begin to change, Brad began to consciously change the way he did business to keep up with the changes that were taking place within the industry. During the years of 2008 and 2009, Brad and his business partners converted from the traditional Broker style of business to the new “evolved broker” that is become the most popular platform of loan origination in the industry outside of local retail banks. After making a couple stops to gather experience in the new styles of mortgage origination during those years, Brad settled at Premier Nationwide Lending in 2010, and has called that home since.


Loan Center

Checklist

What you will need to ensure a smooth home mortgage process.

Loan Options

There are several loan options available when purchasing a home.

Down Payment Assistance

Find out more about special programs and who qualifies.

Calculator

Wondering how much you can finance?

Testimonials

My wife and I wanted to drop you a quick note to say we sincerely appreciate everything you did to get us through the refinance of our home in Frisco. We love our home and love the neighborhood we live in. We now have one of the lowest interest rates in history on a 30 year loan which saves hundreds each month, thousands each year and well over $100,000 over the course of the loan!!! Can’t thank you enough. You were able to navigate us through the labyrinth of new requirements, documentation and get us locked in before rates started going up… and they did, just like you predicted. I know you went even further by taking care of additional aspects of the refinance process (such as the rider) which saved us even more money at the closing. That is something I have not seen before; to us it means you do care we get the best service and that is something we won’t forget. You obviously be our loan officer of choice from this point forward and who we recommend to all our friends and coworkers.

Doug & Sherry F.

Thank you so much for all your help in buying my first home. You were always there to answer all my questions no matter what time it was. I know that you had my best interests at hand at all times. I am so glad Tiffany referred me to you! I will continue to recommend you to everyone! You made the process so easy compared to what I have heard from others with other lenders. You were amazing!!!!! Thank you for making my dream come true!!!

Stephanie

When I closed on my loan my closing agent told me that though they deal with lots of divorces, they don’t see Owelty refinancing that often. My agent said they are a great tool to divide property, but lots of mortgage brokers don’t seem to know much about them….NOT BRAD. Thanks for the great service!

James

My wife and I recently purchased our first home, and being new to the game, needed some “hand-holding.” Brad was extremely knowledgeable and eager to help out it any way throughout the process. I especially appreciated Brad taking time to explain elements of the mortgage process in detail so that I was confident in the decisions I was making and aware of potential hiccups before they happened. I would confidently recommend Brad to anyone looking for a trusted adviser to help navigate the mortgage process.

Allan M.

Words cannot describe how grateful we are to you. Being able to complete our mortgage process and close out our loan in less than 30 days was a miracle! For the first 45 days of our mortgage process with a different lender was a nightmare to say the least, both Chad and I were constantly confused and left in the dark. Once we had to restart our process with you we felt like your only clients and you took time to answer all of our questions and lead us through the process, which is very important for first time home buyers like ourselves. We will refer as many people as possible to you, you were amazing. Thank you so much for helping get our family into our first home.

Chad, Tiffany, Liam, & Lilian H.

He’s very Professional, quick response to emails, and always on top of things. I highly recommend Brad. He’s a great guy and even better mortgage broker. Most importantly 1) He is always available (he always either answered my call or returned the call within “minutes”. 2) He over-discloses everything. I mention that because I talked to many other mortgage brokers before Brad, and they all withheld important information that Brad disclosed. He got me the BEST RATE and LOWEST FEES as I demanded. I assure anyone deciding whether or not to choose Brad should do so with my guarantee that he will deliver.

Ken

I want to let everyone know that Brad is a man of his word and works his butt off for you. I was recently divorced and I got the house in the divorce. I needed to refinance the mortgage, Home equity line of credit, and an Owelty lien. I live in Houston and I was trying to get all of the above mentioned into one refinance. Everyone I met with here in houston and others like Lending Tree said they could do this no problem. However they did not understand the the Texas laws regarding Owelty Leins. So after multiple attempts that failed to go through I found Brad on an internet search. Brad was the first person that made me feel comfortable and was the most knowledgable with Owelty. He was there for me with any questions/and concerns I had. He was also honest with me in every step of the process. It was a long frustrating process to complete my refinance but in the end due to Brad’s hard work it was completed. He is definately my mortgage guy for life now!!! Thanks Brad for everything!

Gerry B.

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