Buying a Home

The idea of purchasing a home, whether it be your first or last, is bound to bring many questions to mind. This is a natural reaction, as it is one of the biggest decisions you will ever make. Rest assured, our team and is here to assist you in understanding the loan process with our goal being to make your experience a pleasant one.

Get Your Free Home Buying Guide

Benefits to Owning A Home

  • Building Equity for Your Future
    Your home is an asset that will grow in value. Your monthly payments pay down your mortgage, helping you build equity.
  • Fixed Monthly Payments
    You can plan knowing you have a fixed monthly housing cost and don’t have to worry about your rent increasing.
  • The Home is Yours
    You can have pets, paint, decorate, renovate, and enjoy customizing your home. The choice is yours.
  • Tax Benefits
    Mortgage interest may be tax deductible, keeping more money in your pocket each year. You should consult with your tax advisor for your unique financial scenario. 

Which Loan Product Is Right For You?

Conventional

The most common mortgage type. Ideal for buyers with established credit and larger down payments.

VA Loan

Is a loan benefit offered to members of the military. No down payment or mortgage insurance is required.

FHA Loan

Offers low down payment options and more relaxed credit requirements. Requires mortgage insurance.

Jumbo Loans

For larger home purchases exceeding loan limits. Requires excellent credit and cash reserves to qualify.

USDA Loan

Geared toward low to moderate income households in less populated communities.

Construction

A short term loan used to finance the construction of your dream home that once built you can refinance.

Renovation

Purchase and renovate in the same loan with rennovation loan options like FHA 203k. 

H4P

For those age 62 and over, HECM for purchase loans allow seniors to purchase a home with a reverse loan.

Mortgage Calculators

Every home buying and refinancing journey is different, but just knowing the rough numbers can help in the decision-making process. The calculators below are provided to illustrate various financing situations and are not a substitute for a loan officer or mortgage expert.

Use this calculator to estimate your monthly home loan payments for a conforming conventional home loan.

$

5%

1%

5%

0%

$
$

$1421

Monthly Payment

Principal & Interest $1421

Monthly Taxes $1421

Monthly HOA $1421

Monthly Insurance $1421

Monthly PMI $0

Use this calculator to estimate your monthly home loan payments for an FHA mortgage.

$

5%

1%

5%

$
$

$1421

Monthly FHA Payment

Principal & Interest $1421

Monthly Taxes $1421

Monthly HOA $1421

Monthly Insurance $1421

Monthly Mortgage Insurance $0

Use this calculator to estimate your monthly home loan payments for a VA mortgage.

$

0%

1%

5%

$
$

$1421

Monthly VA Payment

Principal & Interest $1421

Monthly Taxes $1421

Monthly HOA $1421

Monthly Insurance $1421

Purchase Price $1421

VA Funding Fee $1421

$1421

Use this calculator to estimate the affordability of a home purchase.

$
$
$
$
$
%

You can afford up to

$

Monthly Payment $

Principal & Interest $

Tax $

Insurance $

Conventional Loan Calculator

Use this calculator to estimate your monthly home loan payments for a conforming conventional home loan.


FHA Loan Calculator

Use this calculator to estimate your monthly home loan payments for an FHA mortgage.


VA Loan Calculator

Use this calculator to estimate your monthly home loan payments for a VA mortgage.


Refinance Calculator

Use this calculator to estimate your monthly home loan payments in a mortgage refinance.

$
%
months
$
%
months
$

Refinancing could save you

$/month

New monthly payment $

Refinance fees $

Lifetime Savings $


Affordability Calculator

Use this calculator to estimate the affordability of a home purchase.

Ready to Buy?

Once you are ready to buy, the first step is to get a pre-approval. A mortgage pre-approval is a letter that states that a borrower is qualified for a mortgage up to a certain amount. To obtain a pre-approval you’ll provide some basic financial information to your loan officer and they’ll run a credit report.