Home Buying Process


OverviewYCH Communities wishes to assist you any way we can. Here are a few simple steps to owning one of our new homes. 

1. Determine Your Home Needs
Determine your home needs such as the number of bedrooms and bathrooms, the size of your home in square feet and the size of your property.
2. Visit a Sales Office
Visit a sales office to see the homes and communities offered by YCH Communities, L.L.C.
3. Meet with a Lender
Meet with a mortgage lender to get pre-qualified and determine which loan program best fits your financial needs. See Mortgage Information.
4. Review Loan Process
Review the loan process and monthly payment estimates including principle, interest, taxes, insurance and homeowners dues).
5. Get an Estimate
Obtain a good faith estimate from a preferred lender to clarify closing costs.
6. Choose a Community
Choose a community, floorplan and lot location with your sales person.
7. Make a Deposit
Contact your sales person and make the deposit to hold your new home.
8. Get a Preliminary Loan Committment
Contact your home loan lender to get a preliminary loan committment and good faith estimate.
9. Secure Your Downpayment
Be sure you know where your downpayment is coming from to have it ready for your lender.
10. Choose Your Home Options
Choose your home options with your sales person.
11. Sign Your Purchase Agreement
Sign the purchase agreement with the copy of your pre-qualification letter from your lender.
12. Provide Documentation
You MUST provide the necessary documentation to your lender for loan processing and underwriting.
13. Get Final Approval
Obtain the final loan approval from your lender.
14. Sign the Documents
Sign the documents and deposit escrow charges which are equal to the balance of the down-payment, closing costs and pre-paid costs.
15. New Home Orientation
Make an appointment with a Customer Service Representative for a homeowner orientation of your new home and community.
16. Closing the Deal
Recieve your loan funding, recording and closing information.
17. Move In!
Receive your keys, homeowner warranty and MOVE-IN!