Home Buyers
YOUR ROADMAP
⏱️ Don't Wait Until Closing Day! ⏱️
Your lender will require proof of homeowners insurance before final approval. If you wait until the last week, you're stuck accepting whatever you can get on a deadline — gaps in coverage, higher premiums, and surprises you won't discover until you file a claim.
Start the conversation early — ideally as soon as your offer is accepted.
🏡 The Biggest Purchase of Your Life 🏡
Your home is likely the largest financial commitment you'll ever make. The cheapest policy meets your lender's minimum — and that's about it.
Quality coverage means knowing what's actually protected: your structure, your belongings, your liability, and your living expenses if something goes wrong. Cutting corners now is the most expensive decision you can make later.
📃 It's Not "If" You File a Claim - It's When 📃
1 in 20 insured homes file a claim every year. Over a 30-year mortgage, the math is simple — it will happen.
Wind, hail, water damage, fire. When that day comes, the difference is who's in your corner. Your Allstate agent picks up the phone, walks you through every step, and makes sure nothing falls through the cracks. A company processes paperwork. Your agent shepherds you through it.
🤝A Relationship, Not a Transaction🤝
When you work with an Allstate agent, you're not buying a policy from a website and hoping for the best. You're sitting down with someone who lives in your community, understands the risks specific to your area, and will be there when you need to make a claim — not just when you need to make a payment.
Allstate has been protecting what matters most for over 90 years — the resources to pay claims, the experience to structure coverage correctly, and the reputation that comes from doing right by millions of families. But what makes the real difference isn't the size of the company. It's the relationship you have with your agent. Someone who knows your name, knows your home, and knows your coverage inside and out. Someone you can call, not a chatbot.
Ready to start the conversation? We'll walk you through your options — no pressure, no rush.
The Mortgage Process
From pre-approval to closing day — here's what to expect at every stage, and when each piece needs to be in place.
Step 1: Pre-Qualification & Pre-Approval
(1–2 weeks)
- Lender reviews your credit score and financial history
- Gather income documentation — pay stubs, tax returns, W-2s
- Receive a pre-approval letter confirming your loan amount
Step 2: Home Search & Purchase Agreement
(2–8 weeks)
- Work with a real estate agent to tour and evaluate properties
- Submit an offer and negotiate price and terms
- Sign the purchase agreement — your mortgage clock starts now
Step 3: Loan Application & Processing
(1–2 weeks)
- Complete the full mortgage application with your lender
- Submit bank statements, employment verification, and asset records
- Loan processor orders title search and property appraisal
- Start shopping for homeowners insurance now — compare coverage options and get quotes before underwriting begins
Step 4: Underwriting & Conditions
(1–3 weeks)
- Underwriter reviews all submitted documentation for risk assessment
- Verify homeowners insurance coverage — your lender will require proof of insurance before final approval
- Underwriter may request additional documents or clarifications
- Conditional approval issued, then cleared to close
Step 5: Closing
(3–5 days)
- Review and sign all closing documents with your title company
- Pay closing costs and down payment via certified funds
- Loan is funded — receive the keys to your new home