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Your Pathway to Homeownership Starts Here
First time homebuyer?
You’ve come to the right place!
Looking at real estate fliers and touring homes is easy. Applying for a home loan and figuring out how to pay for a house – well, that can get complicated. Let us guide you through understanding a home loan.
#1 – A home loan is called a mortgage.
Buying a house is one of the largest investments most people make. Home loan programs are available to those who need to borrow the money and buy a house (which is almost everyone.) The money borrowed and the payment due each month is called a mortgage.
#2 – Home loan options are also called programs.
You have choices when it comes to a home loan. Some buyers have more choices than others depending on how much money you make, where the home is located, how much money you have to spend right away and your credit score. There are many options when it comes to home loans and several programs available. Some of them include:
Conventional loans (also known as regular loans)
FHA loans
VA loans
USDA loans
The best step to determine the right home loan program for you is to call a local mortgage lender you trust. The lender can explain the difference in each program and help you decide which one is best for you.
#3 – Learn the numbers.
There are many “numbers” involved in a home loan process. When you apply for a loan, you will have a unique set of figures for you. Here are some numbers that will be figured up into your home loan:
Purchase price of the home
What you’re offering to pay for the house you want to buy.
Down payment
The money you have available to buy the house when you apply for your loan.
Interest rate
Usually a percentage and based off of your credit score. This percentage figures up how much money in interest you will pay during the life of your loan.
The term of your loan
Typical terms are 15, 20 or 30 years – meaning how long it will take to pay back the loan.
Monthly payment amount
This is what your mortgage bill will show each month.
If you’re searching for a reliable mortgage lender, you’re in the right place. We offer full-service residential mortgage solutions nationwide, designed to meet the unique needs of every borrower. Whether you’re a first-time homebuyer or looking to refinance, we’re here to make your home-buying journey as smooth as possible.
Unlike traditional retail mortgage lenders, our loan officers have the flexibility to work with a wide range of lending partners. This allows us to find the best possible rates in any market. While the market may fluctuate, our commitment to delivering savings doesn’t. On average, we offer competitive rates that provide a significant advantage in the home buying process.
With just one credit pull, we compare loan options from multiple lending partners to determine the best fit for your financial situation. This includes evaluating options such as purchasing discount points to lower your interest rate, selecting the most suitable loan type, and adjusting your down payment. Every step we take is aimed at maximizing your savings.
Choosing our mortgage services means accessing lower rates, more options, and just a single credit inquiry. Our mission is to transform the home buying process into a stress-free experience, ensuring you save the most money possible. Experience the difference with our team and benefit from our dedication to your financial success.
Whether you are looking to get pre-approved to purchase, or tap into your homes equity, we are here to help!