Buying a New Home? It’s Never Too Soon to Prepare!

So, you’ve been thinking that maybe it’s time to stop paying rent and buy a home of your own? Let us give you some pointers so your finances are in good shape and you can concentrate on enjoying the search!

Begin or continue a savings program

  • You can buy a home with as little as 5% down payment, or even 3% if you’re a first time homebuyer. We’ll be glad to give you pricing scenarios so you’ll know how far your nest egg can stretch!
  • Additionally, family gifts are an acceptable source of funds and there are down payment assistance programs sometimes available if your family meets certain income requirements!

Take a look at your credit report

  • You can see all three bureaus online, at annualcreditreport.com or stop into any of our branches and make an appointment to sit down and do a credit review. This will give you plenty of time to clear up any discrepancies you may find or build your score if there’s a need. We’ll walk you through!
  • As you position yourself to become a homeowner, please be careful about closing accounts as you pay them off. Although it’s counterintuitive, your score may suffer if you have fewer open trade lines. Let us guide you through!

Carefully choose a real estate agent

  • As you build your home buying team, the agent you choose will have a big impact upon not only finding the home of your dreams, but helping you negotiate your best deal. She or he will work closely with us, your mortgage partner, to insure a smooth transaction from start to finish!
  • Our HomeAdvantage™ not only helps you find a trusted Realtor, but gives you access to a complete Home Buying Center that allows you to search for homes, gather neighborhood information and even earn a rebate!

What are you waiting for? We’re here to guide you each step of the way!

Checking Accounts

Premium Perks

Freedom Checking

CashBack Checking

Direct Deposit

More

Savings Accounts

Savings Accounts

Super Saver

Money Market

h

Certificates

HSA

Cards

Debit Card

Low Rate Credit Card

Rewards Credit Card

CU Rewards

Card Controls

Tools

Mobile Deposit

Online Banking

Pay Someone

eAlerts

Compare Rates

Vehicle Loans

Auto Loans

Refinance Your Car

Motorcycle & Jet Ski Loans

Boat & RV Loans

Mortgage & Home Loans

Mortgages

Refinance Your House

Home Equity Loans

Construction Loans

Personal

Personal Loans

,

StretchPay Loans

Student Loans

Credit Cards

Tools

Apply for a Loan

Pay a Loan

Online Bill Pay

Chat With Us

Financial Planning

Investments

i

Estate Planning

401(k) Rollover

Retirement Planning

Day Air Insurance

Auto Insurance

Home Insurance

Identity Theft Protection

Life Insurance

More Products & Services

RetireMEDiQ

Financial Counseling

Credit Reports

Reorder Checks

More

Online Banking

Online Banking

Online Bill Pay

Login to Online Banking

Mobile Banking

Mobile Banking

Mobile Deposit

Pay Someone

Text Banking

Tools

Apply for a Loan

Pay a Loan

eAlerts

Mobile Pay

Chat With Us

Accounts

Business Checking

Business Savings

Business Certificates

Cards

Business Debit Card

Business Credit Card

Loans

Commercial Loans

Term Loans

PPP Loans

Line of Credit

Services

Business Bill Pay

Tools

Online Business Banking

Login to Business Banking

Login to PIB MLO

Business Banking App

Join Day Air

Why Choose Day Air

Membership Eligibility

Annual Member Savings

Compare Rates

Join Day Air

Community

Community Involvement

Financial Education

Dayton VA Medical Center

Dayton Dragons

Contests & Sweepstakes

About

Press & News

Newsletters & Reports

Videos

Careers

Helpful Resources