Buying a Home

If you are like most people, purchasing a home is likely the largest single financial transaction of your life. Because of this, it is very important to work with a licensed and very experienced local Loan Officer who will show you the ropes, explain everything, and guide you to a successful closing.

There are many different first time home buyer programs, along with various down payment assistance programs. Many factors come into play to determine which programs work best for you. including your credit, property location, debt-to-income ratio’s, and more.

Determining which program is right for is sometimes hard for mortgage professionals, let alone a typical home buyer. We suggest you stop trying to figure it out on your own, and let our expert do it for you.

Typical assistance comes comes in two forms: A first time home buyer program, and/or a down payment assistance program.

Common elements may include below standard market interest rates, reduced private mortgage insurance costs, smaller down payment requirements, expanded debt-to-income ratio’s, and the most popular part, down payment assistance.

The programs are typically offered by local mortgage lenders like us, and almost never by the big banks or big internet companies. They usually are offered in conjunction with Federal, State City, or County government entities, and some non-profits and corporations.

We’ve created the following video to teach you everything you need to know about buying your first home.