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Home Buyers

Home Buyers

 Find Your Lender

Buying a Home

​Find a KHC-approved lender

For all KHC loans, a home buyer must apply through a KHC-approved lender. We partner with approved lenders across the state to provide you with the best mortgage loan options. By doing this, the buyer will know how much house they can afford based on income and debts. KHC’s loans are subject to certain guidelines that the lender will insure the borrower meets these parameters. Additionally, the lender will be able to recommend any KHC down payment assistance for which the borrower may qualify.

Find a home

After meeting with an approved lender you will know how much house you can afford. You can start looking for a home to buy.  Although you can choose to look on your own, it can be beneficial to utilize the services of a real estate professional, an expert who knows which homes can meet your requirements and preferences. Once you have found a house and made an offer to purchase and have an accepted purchase contract then it is time to meet back with the lender to officially get the loan process started.

Approval Process

The lender will request documentation from the borrower in order to complete the loan application process. Once all the loan paperwork is completed along with an appraisal of the property, your loan file will be reviewed by an underwriter. The underwriter decides if you meet the qualifications and whether to approve your loan.

Loan closing

Once the loan is approved, your lender will schedule your loan closing where you and the seller will finalize the sale.
Congratulations! You're a homeowner!​​​​​​​​​​​

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