Congratulations! You're ready to buy a home
Mortgage Home Purchase Loans without the Hassle!
Need financing options on a home, or other real estate? Choosing a purchase loan product that matches your goals and making sure you get the best rate for your given scenario can feel like playing whack-a-mole.
We’re here to make the home loan process a whole lot easier, with tools and expertise that will help guide you along the way, starting with a FREE pre-approval letter request.
We’ll help you clearly see differences between loan programs, allowing you to choose the right one for you whether you’re a first-time home buyer or a seasoned investor.
I particularly enjoy working with first time buyers and offer private homebuyer education classes for all of my clients- even those who have purchased before but would benefit from a refresher course. We spend about 90 minutes talking through the purchase process from application through the day you get the keys, with emphasis on local markets, strategies and customs. Education is key to having a good experience. The more a buyer knows, the less stressed they are, because knowledge enables them to make confident, informed decisions.
The Home Purchase Loan Process
Here’s how our home purchase loan process works:
- Complete our simple mortgage pre-approval letter request.
- Receive options based on your unique criteria and scenario
- Compare mortgage interest rates and terms
- Choose the offer that best fits your needs
Do I Qualify?
To qualify for a mortgage, lenders typically require that you have a debt-to-income ratio of “43/49.” This means that no more than 43% of your total monthly income (from all sources, before taxes) can go toward your new mortgage payment, and no more than 49.99% of your monthly income can go toward your total monthly debt (including your mortgage payment). VA and FHA loans even allow for higher debt ratios on a case by case basis.
- Fixed Rates
- Adjustable Rate Mortgage (ARM)
- Conforming Loans
- Jumbo & Super Jumbo Loans
- FHA, VA, & USDA Loans
- Terms from 5 to 30 Years