Buying a Home

We have many clients that can afford the monthly payment for a home, but lack a down payment. There are options that can help! It is best to try to get as much money saved up so you have more options and can present a stronger offer to a seller. We usually suggest trying to get at least $4000 saved up if possible. There are situations where the seller may agree to help with some of your loan costs, but if the market is competitive, a seller may become less willing to help. We have loan programs that can help with your down payment and a portion of your closing costs. This loan will not usually help with ALL of your closing costs so that is why we suggest you save some money for competitive markets. These down payment assistance programs are one of the more expensive loan programs and we like to explain that up-front. If you can come up with a down payment, you should. If you cannot, our down payment assistance programs are a great option. In certain situations, a person may qualify for a grant. Grants typically require a borrower to make less than a certain amount and most people do not fit the criteria. For those who do qualify for a grant, there are rules specific to each grant and we can help you research those. Please reach out and we will determine what options are best for you.

Fixed Rate Mortgage

A fixed-rate mortgage is a home loan with an interest rate that does not fluctuate for the entire term of the loan.

Adjustable Rate Mortgage

An adjustable-rate mortgage (ARM) a type of mortgage in which the interest rate applied on the outstanding balance varies throughout the life of the loan.

VA Home Loan

If you’re a military veteran or still in active service, you may qualify for a U.S. Department of Veterans Affairs (VA) loan. These loans often require no down payment.

FHA Mortgage

Home loans provided by the Federal Housing Administration (FHA) can make it easier for you to buy or refinance a home. FHA loans usually have lower credit score and down payment options, but have higher safety requirements the homes need to meet.

30-Year Fixed

A 30 fixed-rate mortgage is the most common type of home loan. It is a loan with an interest rate that does not fluctuate for the entire term (30 years) of the loan.

15-Year Fixed

A 15 year fixed-rate mortgage allows borrowers to pay off their mortgage faster but has a higher monthly payment. It is a loan with an interest rate that does not fluctuate for the entire term (15 years) of the loan.

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