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Purchasing A Home

The first step is to figure out the amount that you are qualified to borrow, and determine the options available to4 you. This will increase your borrowing power. There are many Lenders that have programs that allow you to put little or no money down depending on your credit history and loan amount.
Complete the online form and we find the Lenders that will pre approve you based on the information you provide. If you have not begun to look for a home, you can estimate the property value. This will at least give you a starting point. Once you complete the online form, the lenders that fit your criteria will contact you to make their best loan offers. They will also discuss the lending options that are available to you.

The down payment
This is the amount of money you have available to put a down payment on the house you want to purchase. Depending on your credit history, you may qualify for a loan program that requires 0% down.


Don't forget to budget for closing costs
There are other costs beside your down payment associated with purchasing a home. You have to take into consideration closing costs. Some additional fees associated with closing costs are points, lender's fees, title charges, escrows for your property taxes and home owners insurance. Many loan programs allow the seller to contribute up to 6% of the sales price to your closing costs.


What monthly payment is comfortable for you
Just because you qualify for a certain loan amount doesn't mean you are required to use the maximum financing available to you. Along with the mortgage payment, property taxes, homeowner insurance and all of your monthly liabilities don't forget to budget for thing you like to do. Vacations, entertainment, future college tuition etc. also cost money and you do not want to deprive yourself. You do not want overextend your budget and work solely to make your mortgage payment.


 

 

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