While everyone seems to put off buying a new home, it's probably a great deal simpler than you may think. Gemstone Fields has come up with a comprehensive checklist to help you get started... and well on your way to home ownership.

Checklist

Step 1: Get pre-approved for your mortgage.
While your mortgage counselor will guide you through the entire process, you will need the following documents for your initial meeting regarding your loan application:

• Your most recent paycheck stubs for each person applying for the loan
• Your past two years' W-2's and/or 1099's for each person applying for the loan
• Your past two months' bank/investment/retirement statements for all your accounts

Step 2: Choose the Gemstone Fields home for you!
Choose your Gemstone Fields home site and home. There's one just right for you as we offer a number of homes in many different lots. Our models and floor plans offer a variety of options that are sure to please the most discriminating home buyer.

Step 3: Customize!
Selections. Selections. Selections. That's the theme for this part of the ownership process. Your sales consultant will help you in selecting the choices that help really make your home unique. You'll make decisions concerning cabinetry, flooring, electrical, paint, appliances and more.

Step 4: Pre-construction Orientation
Prior to construction, you'll learn what to expect during the construction process. You'll meet with a member of our on-site construction staff and a sales consultant for an overview of the entire process. You'll go over each and every step and review your final selections.

Step 5: Construction
Your individual construction timetable depends upon the model you have chosen and its availability. Thorough inspections are held throughout the entire construction process to ensure that each and every phase meets with our rigorous quality standards.

Step 6: Pre-Closing Orientation
Approximately 10 days prior to closing, your pre-closing orientation is scheduled. What to expect: a staff member will walk through the home with you to review the home carefully. We'll answer any questions you may have, give you maintenance and care advice, and review warranties and service contracts.

Step 7: Closing
Now that the title company has finalized the paperwork, your are ready to get your keys and move into your fabulous new Gemstone Fields home. Congratulations!