Buy A Home

Regardless if a home purchase is initiated by a first time home buyer or a home buyer that has a significant amount of home-buying experience, it's always prudent to explore what purchasing options, such as minimal down payments or home loan eligibility, are applicable to the particular residential property under consideration for eventual purchase.

How much can I afford?

Granted most homebuyers generally differ from one another in terms of financial freedom or flexibility, it does not necessarily equate to an extreme reduction in home purchasing options if a prospective homebuyer lacks an abundance in wealth or spendable capital.

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What are the phases to purchasing a home?

While there is a noticeable level of ambiguity that relates to the many phases of purchasing a home, it's quite common (and often very necessary) for many homebuyers to participate in each stage with as much commitment as possible. Firstly, before an actual home or property is chosen for purchase, the potential homebuyer must often receive pre-approval for a home loan or preferred mortgage. After the home loan pre-approval has been satisfactorily addressed, establishing the relationships between all participating parties (buyer, lender, realtor, broker, etc) is the next order of operation. Once all parties privy to the home purchase are working in tandem, it's quite common to place an offer for purchase to the home's current owner(s).

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If and when the home purchase offer has been favorably accepted by the present-day owner of the home, it's typical to review the terms and conditions that dictate the transfer in homeownership and respond accordingly. Lastly, as all parties (homebuyer, homeowner, lending/mortgage company, & real estate agent) are in agreement with the aforementioned terms, the final closing stages are the last leg of the journey towards new home acquisition.

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Frequently Asked Questions


home loan & mortgage phases

How much will my closing costs be?

Unfortunately, there are no pre-set, uniform closing costs that enable a home purchase; however, there are several avenues to consider in order to reduce closing costs - if not eliminating them altogether.

home loan & mortgage closing costs

Can I get a loan without paying closing costs?

To put it succinctly; yes, it is indeed possible to obtain a home loan with no obligation towards a closing cost for a property's purchase. It is worth noting that forgoing the added burden of closing costs when purchasing a new home can result in higher interest rates or longer mortgage terms, however.

home loan & mortgage questions

Why is it that my question is not listed here?

We've endeavored quite studiously to list common questions, inquiries, and points of interest that surround purchasing a new home or acquiring a favorable mortgage throughout the entirety of our company's website.

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Our team of mortgage professionals are licensed in multiple states to give you the best rates and mortgage experience possible.