First Time Home Purchase

Buying your first home is a big decision, and an exciting step forward in life! If you are looking into buying a house, we can help you consider your options.

Things To Consider When Buying A Home

There are a lot of things to consider when you are buying your first home. Do you have a stable source of income? Can you afford potential home repairs? Could your financial situation change drastically within the next few years due to your family situation, your job, or something else? Do you have a plan to pay off any debt? We can help you decide if getting a mortgage now is the right course of action for you, and we can guide you through the process. Getting a home is a big decision, and we want to make sure you are prepared and educated! Below are some questions to consider:

Get Qualified For A Home Loan

Click the button below to sign up for and start the home loan application process!

Buying VS Renting Pros & Cons

Pros of Buying

Pros of Renting

Cons of Buying

Cons of Renting

How Important Is A Good Credit Score?

Having a good credit score is a huge advantage when you are getting qualified for a home loan. Borrowers with good scores are less financially risky for lenders to qualify, because it shows that they have a history of paying off debt and making payments on time. A high score will help you qualify much easier, and it can help you get a lower interest rate.

If you have a bad credit score it is still possible to qualify for a loan, but you may be more limited in your options. You will also probably pay a bigger down payment and have a higher interest rate. A few ways you can increase your credit score are paying your bills on time, keeping a low balance on your credit card, not applying for new credit card accounts, and keeping your older credit card accounts. You may also want to review your credit report to see where you are going wrong. You can access your credit report annually for free.

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