{"id":19,"date":"2020-08-31T07:17:32","date_gmt":"2020-08-31T14:17:32","guid":{"rendered":"https:\/\/www.firstamericanbanknm.com\/wph\/workarea\/personal\/home-loans\/buying-or-refinancing"},"modified":"2025-02-04T23:43:31","modified_gmt":"2025-02-04T23:43:31","slug":"buying-a-home","status":"publish","type":"page","link":"https:\/\/www.firstamericanbanknm.com\/wph\/workarea\/personal-home-loans\/home-loans\/buying-a-home\/","title":{"rendered":"Buying a Home"},"content":{"rendered":"<h2>Steps to Buying a Home<\/h2> <p>Whether you are a first-time home buyer or a repeat buyer, the steps to buying a home can feel overwhelming &#8211; that&#8217;s why we&#8217;re here to help. Here is a step-by-step guide to help make the home buying process easier.<\/p> <h3>How Much You Can Afford<\/h3> <p>Start with assessing your current financial situation by knowing your current debts and income to help you understand what you may reasonably spend on a monthly mortgage payment.\u00a0<\/p> <h3>Get Prequalified for Your Loan<\/h3> <p>Before you start looking for a home, it&#8217;s best to know how much you can actually afford. So the next step is to prequalify for a mortgage. You will need to provide some financial information so we can review and let you know the price range of houses that will fit your financial situation. Visit or call one of our local mortgage originators to discuss your next steps.<\/p> <h3>Apply for Your Home Loan<\/h3> <p>After you&#8217;ve selected a home and moved through the buying process with your realtor it&#8217;s time to apply for your home loan. Our knowledgeable mortgage originators will spend time discussing the many loan options that are available to you. Most importantly, we will stay in close contact with you, guiding you every step of the way through the purchase of your home.<\/p>   <div class=\"wp-block-ncr-blocks-button button button-align-none\"><a class=\"ncr-btn btn\" href=\"https:\/\/firstamericanbanknm.mymortgage-online.com\/MortgageLoanOriginators.html\" target=\"_self\" rel=\"noopener noreferrer\">Originators<\/a><\/div>    <p>Visit or call one of our local mortgage originators to discuss your next steps.<\/p>    <div class=\"wp-block-ncr-blocks-button button button-align-none\"><a class=\"ncr-btn btn\" href=\"https:\/\/www.firstamericanbanknm.com\/wph\/workarea\/wp-content\/uploads\/2025\/02\/2.25-Mortgage-Checklist-3.pdf\" target=\"_blank\" rel=\"noopener noreferrer\">Checklist <\/a><\/div>    <p>Our mortgage application checklist is a guide to help you gather information that may be needed to complete your home loan.<\/p>    <div class=\"wp-block-ncr-blocks-button button button-align-none\"><a class=\"ncr-btn btn\" href=\"https:\/\/firstamericanbanknm.mymortgage-online.com\/MortgageLoanOriginators.html\" target=\"_blank\" rel=\"noopener noreferrer\">Calculators<\/a><\/div>    <p>Our affordability calculators can help estimate what amount is within your price range.<\/p>    <div class=\"wp-block-ncr-blocks-image-credit imageCredit-wrapper band band-image-credits is-style-default\"><div class=\"band-cta\"><p class=\"output-field1\"><\/p><p class=\"output-field2\"><\/p><\/div><\/div>    <p><\/p>","protected":false},"excerpt":{"rendered":"Steps to Buying a Home Whether you are a first-time home buyer or a repeat buyer, the steps to buying a home can feel overwhelming &#8211; that&#8217;s why we&#8217;re here to help. Here is a step-by-step guide to help make the home buying process easier. How Much You Can Afford Start with assessing your current [&hellip;]","protected":false},"author":1,"featured_media":2890,"parent":17,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"template_back.php","meta":{"_lmt_disableupdate":"no","_lmt_disable":"","footnotes":""},"class_list":["post-19","page","type-page","status-publish","has-post-thumbnail","hentry"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v24.9 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Buying a Home - First American Bank<\/title>\n<meta name=\"description\" content=\"We are here to help you with the purchase of your home. Our Local First mortgage originators will guide you every step of the way.\" \/>\n<meta name=\"robots\" content=\"noindex, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Buying a Home - First American Bank\" \/>\n<meta property=\"og:description\" content=\"We are here to help you with the purchase of your home. Our Local First mortgage originators will guide you every step of the way.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.firstamericanbanknm.com\/personal-home-loans\/home-loans\/buying-a-home\/\" \/>\n<meta property=\"og:site_name\" content=\"First American Bank\" \/>\n<meta property=\"article:modified_time\" content=\"2025-02-04T23:43:31+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/www.firstamericanbanknm.com\/wp-content\/uploads\/2021\/04\/img-header-camera2-organmnts-1980x533-1.png\" \/>\n\t<meta property=\"og:image:width\" content=\"1980\" \/>\n\t<meta property=\"og:image:height\" content=\"533\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/png\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data1\" content=\"2 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"WebPage\",\"@id\":\"https:\/\/www.firstamericanbanknm.com\/personal-home-loans\/home-loans\/buying-a-home\/\",\"url\":\"https:\/\/www.firstamericanbanknm.com\/personal-home-loans\/home-loans\/buying-a-home\/\",\"name\":\"Buying a Home - First American Bank\",\"isPartOf\":{\"@id\":\"https:\/\/www.firstamericanbanknm.com\/wph\/workarea\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\/\/www.firstamericanbanknm.com\/personal-home-loans\/home-loans\/buying-a-home\/#primaryimage\"},\"image\":{\"@id\":\"https:\/\/www.firstamericanbanknm.com\/personal-home-loans\/home-loans\/buying-a-home\/#primaryimage\"},\"thumbnailUrl\":\"https:\/\/www.firstamericanbanknm.com\/wph\/workarea\/wp-content\/uploads\/2021\/04\/img-header-camera2-organmnts-1980x533-1.png\",\"datePublished\":\"2020-08-31T14:17:32+00:00\",\"dateModified\":\"2025-02-04T23:43:31+00:00\",\"description\":\"We are here to help you with the purchase of your home. Our Local First mortgage originators will guide you every step of the way.\",\"breadcrumb\":{\"@id\":\"https:\/\/www.firstamericanbanknm.com\/personal-home-loans\/home-loans\/buying-a-home\/#breadcrumb\"},\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\/\/www.firstamericanbanknm.com\/personal-home-loans\/home-loans\/buying-a-home\/\"]}]},{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\/\/www.firstamericanbanknm.com\/personal-home-loans\/home-loans\/buying-a-home\/#primaryimage\",\"url\":\"https:\/\/www.firstamericanbanknm.com\/wph\/workarea\/wp-content\/uploads\/2021\/04\/img-header-camera2-organmnts-1980x533-1.png\",\"contentUrl\":\"https:\/\/www.firstamericanbanknm.com\/wph\/workarea\/wp-content\/uploads\/2021\/04\/img-header-camera2-organmnts-1980x533-1.png\",\"width\":1980,\"height\":533,\"caption\":\"image of camera and organ mountains las cruces, nm\"},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\/\/www.firstamericanbanknm.com\/personal-home-loans\/home-loans\/buying-a-home\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Home\",\"item\":\"https:\/\/www.firstamericanbanknm.com\/wph\/workarea\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"Personal &#038; Home Loans\",\"item\":\"https:\/\/www.firstamericanbanknm.com\/personal-home-loans\/\"},{\"@type\":\"ListItem\",\"position\":3,\"name\":\"Home Loans\",\"item\":\"https:\/\/www.firstamericanbanknm.com\/personal-home-loans\/home-loans\/\"},{\"@type\":\"ListItem\",\"position\":4,\"name\":\"Buying a Home\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\/\/www.firstamericanbanknm.com\/wph\/workarea\/#website\",\"url\":\"https:\/\/www.firstamericanbanknm.com\/wph\/workarea\/\",\"name\":\"First American Bank\",\"description\":\"Your Community Bank Since 1903\",\"alternateName\":\"FABNM\",\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\/\/www.firstamericanbanknm.com\/wph\/workarea\/?s={search_term_string}\"},\"query-input\":{\"@type\":\"PropertyValueSpecification\",\"valueRequired\":true,\"valueName\":\"search_term_string\"}}],\"inLanguage\":\"en-US\"}]}<\/script>\n<!-- \/ Yoast SEO plugin. -->","yoast_head_json":{"title":"Buying a Home - First American Bank","description":"We are here to help you with the purchase of your home. Our Local First mortgage originators will guide you every step of the way.","robots":{"index":"noindex","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"og_locale":"en_US","og_type":"article","og_title":"Buying a Home - First American Bank","og_description":"We are here to help you with the purchase of your home. Our Local First mortgage originators will guide you every step of the way.","og_url":"https:\/\/www.firstamericanbanknm.com\/personal-home-loans\/home-loans\/buying-a-home\/","og_site_name":"First American Bank","article_modified_time":"2025-02-04T23:43:31+00:00","og_image":[{"width":1980,"height":533,"url":"https:\/\/www.firstamericanbanknm.com\/wp-content\/uploads\/2021\/04\/img-header-camera2-organmnts-1980x533-1.png","type":"image\/png"}],"twitter_card":"summary_large_image","twitter_misc":{"Est. reading time":"2 minutes"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"WebPage","@id":"https:\/\/www.firstamericanbanknm.com\/personal-home-loans\/home-loans\/buying-a-home\/","url":"https:\/\/www.firstamericanbanknm.com\/personal-home-loans\/home-loans\/buying-a-home\/","name":"Buying a Home - First American Bank","isPartOf":{"@id":"https:\/\/www.firstamericanbanknm.com\/wph\/workarea\/#website"},"primaryImageOfPage":{"@id":"https:\/\/www.firstamericanbanknm.com\/personal-home-loans\/home-loans\/buying-a-home\/#primaryimage"},"image":{"@id":"https:\/\/www.firstamericanbanknm.com\/personal-home-loans\/home-loans\/buying-a-home\/#primaryimage"},"thumbnailUrl":"https:\/\/www.firstamericanbanknm.com\/wph\/workarea\/wp-content\/uploads\/2021\/04\/img-header-camera2-organmnts-1980x533-1.png","datePublished":"2020-08-31T14:17:32+00:00","dateModified":"2025-02-04T23:43:31+00:00","description":"We are here to help you with the purchase of your home. Our Local First mortgage originators will guide you every step of the way.","breadcrumb":{"@id":"https:\/\/www.firstamericanbanknm.com\/personal-home-loans\/home-loans\/buying-a-home\/#breadcrumb"},"inLanguage":"en-US","potentialAction":[{"@type":"ReadAction","target":["https:\/\/www.firstamericanbanknm.com\/personal-home-loans\/home-loans\/buying-a-home\/"]}]},{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/www.firstamericanbanknm.com\/personal-home-loans\/home-loans\/buying-a-home\/#primaryimage","url":"https:\/\/www.firstamericanbanknm.com\/wph\/workarea\/wp-content\/uploads\/2021\/04\/img-header-camera2-organmnts-1980x533-1.png","contentUrl":"https:\/\/www.firstamericanbanknm.com\/wph\/workarea\/wp-content\/uploads\/2021\/04\/img-header-camera2-organmnts-1980x533-1.png","width":1980,"height":533,"caption":"image of camera and organ mountains las cruces, nm"},{"@type":"BreadcrumbList","@id":"https:\/\/www.firstamericanbanknm.com\/personal-home-loans\/home-loans\/buying-a-home\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Home","item":"https:\/\/www.firstamericanbanknm.com\/wph\/workarea\/"},{"@type":"ListItem","position":2,"name":"Personal &#038; Home Loans","item":"https:\/\/www.firstamericanbanknm.com\/personal-home-loans\/"},{"@type":"ListItem","position":3,"name":"Home Loans","item":"https:\/\/www.firstamericanbanknm.com\/personal-home-loans\/home-loans\/"},{"@type":"ListItem","position":4,"name":"Buying a Home"}]},{"@type":"WebSite","@id":"https:\/\/www.firstamericanbanknm.com\/wph\/workarea\/#website","url":"https:\/\/www.firstamericanbanknm.com\/wph\/workarea\/","name":"First American Bank","description":"Your Community Bank Since 1903","alternateName":"FABNM","potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/www.firstamericanbanknm.com\/wph\/workarea\/?s={search_term_string}"},"query-input":{"@type":"PropertyValueSpecification","valueRequired":true,"valueName":"search_term_string"}}],"inLanguage":"en-US"}]}},"_links":{"self":[{"href":"https:\/\/www.firstamericanbanknm.com\/wph\/workarea\/wp-json\/wp\/v2\/pages\/19","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.firstamericanbanknm.com\/wph\/workarea\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/www.firstamericanbanknm.com\/wph\/workarea\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/www.firstamericanbanknm.com\/wph\/workarea\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/www.firstamericanbanknm.com\/wph\/workarea\/wp-json\/wp\/v2\/comments?post=19"}],"version-history":[{"count":59,"href":"https:\/\/www.firstamericanbanknm.com\/wph\/workarea\/wp-json\/wp\/v2\/pages\/19\/revisions"}],"predecessor-version":[{"id":5489,"href":"https:\/\/www.firstamericanbanknm.com\/wph\/workarea\/wp-json\/wp\/v2\/pages\/19\/revisions\/5489"}],"up":[{"embeddable":true,"href":"https:\/\/www.firstamericanbanknm.com\/wph\/workarea\/wp-json\/wp\/v2\/pages\/17"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.firstamericanbanknm.com\/wph\/workarea\/wp-json\/wp\/v2\/media\/2890"}],"wp:attachment":[{"href":"https:\/\/www.firstamericanbanknm.com\/wph\/workarea\/wp-json\/wp\/v2\/media?parent=19"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}