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Finance
options make it possible for everyone to enjoy the benefits of
home ownership. This page is set up to help future
homebuyers understand their options. We also have a
page of our local lenders. On the Local
Lenders page you can select a lender and contact them about
any questions you may have.
Before
purchasing your home you should understand the financial terms
that you will encounter during the process.
The
Right Loan for You
As a prospective homeowner, you have a
wide range of loan options to choose from. Basically, home
mortgage programs fall into one of these categories:
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Alternative financing. These
home financing programs are designed for borrowers with less
than perfect credit histories, excessive debt, or previous
bankruptcy, foreclosure or tax delinquency. |
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Conventional loans.
Conventional loans are designed for both first-time and
move-up homebuyers and make up the bulk of mortgage loans
sold. |
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Government loans.
Backed by federal or state agencies. The most common types
are the Federal Housing Authority (FHA) and Veterans
Administration (VA) loans. These programs typically allow
lower down payments and have more liberal qualifying
guidelines. |
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Self-employed financing. These
programs offer flexible financing guidelines that better
meet the needs of borrowers with hard to document income,
such as those who are self-employed or work in a
commission-based position. |
We help provide financing for buyers who
want a mortgage to include:
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A new home and
land purchase with improvements |
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A new home and
a land payoff with improvements |
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A new home and
improvements on your land |
We can provide
assistance in financing your land and home package through many different
mortgage lenders, depending on your needs by using:
Click the button below for some Facts about home buying.
Not sure if you can afford a new house
payment?
Click here to try the Mortgage Calculator!
Getting Pre-Approved
Pre-approval is a written commitment from a lender, subject to
a property appraisal and other stated conditions, that lets your
know exactly how much home you can afford. Sound hard?
Well, it's easy. And it's a smart move for serious
homebuyers.
Before you begin shopping for a
home, submit your financial information to your lender.
Then, if you qualify, they will provide you with a written
commitment for a certain mortgage amount, down payment, and
interest rate-subject to the terms of the commitment letter.
What are the advantages of being
pre-approved?
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You will be perceived as a
serious homebuyer. |
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Helps you shop confidently
because you know exactly how much you can afford. |
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A pre-approval gives you an
advantage over other buyers who haven't been pre-approved. |
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Make the final mortgage process
go more quickly and easily, since much of the work has already
been done. |
What do Lenders look at?
Click here to find
out!
Below are links to our
preferred lenders.
Mortgage Rates
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