Home Loans

Affording a down payment for a home requires careful financial planning and consideration. If you are looking concerned about having enough money for your down payment, don't worry! There are several options for you to consider. 

Historically, 20% of your loan amount was the standard for loan qualification and the best rates/terms....

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Buying a home is a significant milestone in life and often a major financial decision. It's a process that requires careful consideration and thorough planning to ensure a successful purchase. Whether you're a first-time homebuyer or have previous experience, knowing the dos and don'ts of buying a home can help you navigate the process with confidence...

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Many people dream of building their own custom homes. Fortunately, this dream is within reach. Still, it can be tricky to manage the timing between selling your current home and moving into a newly constructed home. There are two primary factors to consider before you get started - the type of financing you need and the type of interim housing that works best for you.

It’s a common belief...

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Nobody likes lending someone money and not getting paid back! So, when a lender at a bank needs to determine whether an applicant qualifies for a home loan (which is typically A LOT of money), one of the first things they do is check your credit score.

A credit score is a number that is intended to predict the likelihood of you paying back your loan. It’s determined by several things…payment history, debt, outstanding lines of credit, and more. A high score will get you...

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Buying a home is an exciting and rewarding life event. But without the right guidance, the process can become more difficult than it needs to be. Understanding and following these guidelines will help make your path to homeownership as smooth as possible.

Preparing to Buy [3:06]

Even before you have a specific home in mind, it’s...

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Are you looking to buy a home? Affording the down payment can be challenging for first-time homebuyers. One popular solution is to use monetary gifts from family members. If you are able to receive gift money, there are a few things to consider before depositing that cash in the bank.

When first applying for a home loan, your lender will review your loan application, credit...

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While divorce itself can be stressful, navigating shared real estate doesn’t have to be. Here are the top 4 concerns we hear regularly and guidelines we like to provide to our clients.

Yes!  The MSA/Marital Settlement Agreement is the document that outlines how all of your assets and income will be divided.  Your mortgage advisor would need to...

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A common misconception for homebuyers is that building a home is far more expensive than buying a house already on the market. Though it’s not for everyone, the reality is that building your dream house is not only possible, but can also be an affordable and rewarding experience. 

Let’s break it down and see if building a home makes sense for you. 

Factors to Consider

To help determine if home construction is...

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Knowing the difference between being pre-qualified and pre-approved can help you better understand how to become a better and more efficient buyer, ultimately putting you in the best position to make the winning offer when you find your dream home.

Pre-qualification is the initial step in the mortgage process, and it’s generally fairly simple....

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