Your Homeownership Journey Starts Here

Buying your first home is a thrilling milestone, but it can also feel overwhelming. With so many steps involved, it's easy to get lost in the process. That's why we've created this simple checklist to guide you through your home buying journey in Central Wisconsin. And to make things even easier, we'll show you how Public Service Credit Union can be your partner in making homeownership a reality.

Your First-Time Homebuyer Checklist

Assess Your Finances:

  • Determine your budget and how much you can comfortably afford.

  • Check your credit score and work on improving it if necessary.

  • Start saving for a down payment. While a small down payment can get you into your dream home, Public Service Credit Union requires 20% down, which helps avoid useless fees like PMI.

Find a Reliable Realtor:

  • A good realtor knows the local market and can help you find the perfect home.

  • Interview multiple realtors to find the best fit for your needs.

Get Pre-Approved for a Mortgage:

  • This step gives you a clear picture of your buying power.

  • Public Service Credit Union offers personalized mortgage services and competitive rates.

Start Your Home Search:

  • Define your must-haves and nice-to-haves in a home.

  • Use online tools and your realtor to find potential properties.

Make an Offer:

  • Your realtor will help you make a competitive offer.

  • Be prepared to negotiate.

Home Inspection and Appraisal:

  • A home inspection identifies potential issues with the property.

  • An appraisal determines the home's value.

Finalize Your Mortgage:

  • Gather necessary documents for your lender.

  • Public Service Credit Union simplifies the mortgage process with personal service and low closing costs.

Close on Your Home:

  • Sign the final paperwork and receive the keys to your new home!

Why Choose Public Service Credit Union for Your Mortgage?

At Public Service Credit Union, we understand that buying a home is a big deal. That's why we offer personalized mortgage services designed to make the process as smooth as possible.

  • Personal Service: Our dedicated team will guide you through every step, answering your questions and providing expert advice.

  • Low Closing Costs: We believe in helping you save money, so we offer competitive rates and low closing costs.

  • Local Expertise: As a trusted member of the Central Wisconsin community, we have in-depth knowledge of the local market.

Ready to start your homeownership journey? Contact Public Service Credit Union today to learn more about our mortgage options and get pre-approved. We're here to help you turn your dream of homeownership into a reality.

MortgagesKyle Turner