Ready to Start Looking for Your First Home?

When you begin thinking about buying your first home, it’s important to consider a combination of practical and financial factors. Do your research, ask questions and talk to experts who can explain the process from a financial perspective.

Buying a home is an investment in your future. With each monthly payment you make, your mortgage is reduced and your home equity increases, which adds to your bottom line – not your landlord’s.

We know that homeownership is at the heart of the American dream. We want to help you spend smart and feel secure in the decisions you make about your financial future.

Before You Buy, Ask Yourself:

  • Are you planning to live in this home for at least five years?
  • Do you have strong enough credit to qualify for a home loan or are you still building your credit history?
  • Are you ready to commit to a particular location or area in your city?
  • Do you have enough cash saved for the down payment, as well as planned and unplanned (leaky faucets or pipes, broken water heaters or HVAC units) regular home maintenance?
  • Have you talked over the details with your loan officer?

Know Before You Shop

Getting prequalified* gives you buying power. Prequalification comes directly from the lender in the form of a prequalification letter. The letter states that the lender agrees to provide a mortgage to you, the homebuyer, under certain conditions. Prequalification letters help you set realistic goals while you’re house hunting. And, they can provide you with the same negotiating ability as a cash buyer, which will enable you to move quickly once you find the perfect home. Home sellers feel more confident working with a homebuyer who has a prequalification letter.

Ready to Get Started?

Contact Us today to get prequalified.

*Prequalification is not an approval of credit, and does not signify that underwriting requirements have been met.

Our mortgage calculators will help you find a mortgage you can afford!

Mortgage Calculators