Purchasing a home

The most important place to start is with a lender. Before you can go looking for homes, you want to know how much you can borrow.  Most people in the U.S. go to a bank or a mortgage lender when they want to purchase a home. A lender can discuss with you the maximum loan you can afford. From there you will know how much you can afford each month for a mortgage payment. The process is rather simple, and it’s guidelines are determined by the various programs available.

Simply said you need an 1) income 2) good credit 3) a down-payment or at least closing costs to qualify for a mortgage. There are however some City and County programs that can assist with down payment and we have creative ways to work with you to assist in getting your closing costs "covered"

There are three main categories of loans: FHA, VA and Conventional. All three are available in 15 and 30 year terms, with some programs having other loan term options. Within the three main loan categories are these loan types: Fixed Rate, ARMs, and Balloon loans. Both fixed rate and Balloon loans are available with buy-down options.