Getting Ready to Buy a Home

Making the decision to buy a home is one of the biggest decisions of your life.  Whether you're a first-time home buyer looking for a starter home, a family of four seeking the house of your dreams, or if you're trying to find the perfect place to enjoy your Golden Years, you'll probably want a mortgage to help make your move possible.

Our job is to help make your dreams possible, and our professional Loan Officers are trained to guide you on the road to home ownership.  We can help educate you about different loan programs, give you advice on what price ranges are appropriate, and we can even connect you with other industry professionals to make your home buying experience as painless and seamless as possible.  As our slogan says, we are truly dedicated to "Giving you the keys to home ownership."

The articles on this page will give you some insight into some of the finer points of shopping for a home loan, some of the factors lenders will analyze in order to approve your loan, and give you some insider information on how to pick the best loan program for you.  Of course, the information presented here is very general in nature - our Loan Officers can answer your specific questions about becoming a home owner.

Are You Pre-Approved?: Learn the difference between pre-qualificed and pre-approved, as well as what steps you can take to get qualifed for the home of your dreams.

Can You Afford It? : Find out about the different factors to consider in determining how much house you can afford

Debt-to-Income Ratio: In-depth information about the one of the more important factors used to in determining how much you can afford

Should You Pay Points?: Paying points can lower your rate and make your payment more affordable, but it also means higher closing costs.  This article will help you understand how paying points works so you can make an educated decision.

What is PMI?: De-mystify PMI and learn how it can help you become a home owner

How Escrow Works: Escrow can means different things in different contexts, so brush up on its various meanings and how it can impact your purchase.

Buyer Dont's: Things to avoid as a potential home buyer