---
title: "First-Time Homebuyer Roadmap - Arthur State Bank"
url: https://stacklist.com/card/73b8ab9a-f52d-407f-955b-8b8aca8ee642
source_url: "https://www.arthurstatebank.com/first-time-home-buyers-roadmap/"
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summary: "Arthur State Bank's First-Time Homebuyer Roadmap outlines a step-by-step guide covering credit review, budgeting, mortgage pre-qualification, finding a realtor, making an offer, and closing on a home. The guide also highlights that Arthur State Bank offers properties for purchase throughout South Carolina."
tags: "first-time-homebuyer, mortgage, home-buying, credit-report, real-estate, budgeting, home-inspection"
key_entities: "Arthur State Bank (organization), Equifax (organization), Experian (organization), TransUnion (organization), South Carolina (location), First-Time Homebuyer Roadmap (concept), Mortgage Pre-Qualification (concept)"
classification: "checklist"
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---

# First-Time Homebuyer Roadmap - Arthur State Bank

First-Time Homebuyer Roadmap  Review Your Credit Reports In anticipation of buying a house, you will need to check your credit with all three of the credit reporting agencies: Equifax, Experian, and TransUnion. While most of the information should be the same, there are often discrepancies between the reports. Read More  Establish a Budget Primary considerations for setting your housing budget require an assessment of your income, debt and current savings for the down payment on the home. The following are generally recommended guidelines; however, you should meet with an Arthur State Bank lender to get personalized mortgage information. Read More  Meet with Your Lender With your credit and budget information ready to go, you will be well-prepared to meet with a loan officer to review the mortgage options and get a pre-qualification letter. Read More  Find a Realtor In a home sale, both the buyer and seller are typically represented by an agent. Selling agent: Agent to the buyer (you). Also referred to as a buyer’s agent. Listing agent: Agent to the seller. Also referred to as a seller’s agent. Read More  Search for a Home Many people try to start the home-buying process here; they see a house they love and want to purchase it. While this sometimes works, more often than not, smitten homebuyers realize they need to go back to complete the earlier steps in the home-buying process. Read More k Make an Offer Now that you’ve found the house, work with your agent to make an offer. Remember, the listing agent works for the seller; only the selling agent (buyer’s agent) has your best interest in mind. Read More  Sign a Contract Once the buyer and seller accept the terms of the offer and sign the paperwork, you have an executed contract. Read More i Apply for a Mortgage Take a copy of the contract to your loan officer along with all the items on this list to officially submit the mortgage application. Read More U Get a Home Inspection As soon as possible after submitting your mortgage application, you should schedule your home inspection. If you are not available for the entire inspection, you will want to make sure you have some time allocated to meet with the inspector at the house toward the end of the inspection. Read More  Closing As you prepare for closing day, you will need to take care of several items. Here are the first few steps. Read More First Time Homebuyer ? Arthur State Bank has multiple properties available for purchase throughout the state of South Carolina. With additions to our property list occurring regularly, you’re sure to find something just right for you! COntact Us Today