Purchasing A Home
Whether you are a first-time home buyer, renter, or are purchasing a new or second home, we have an assortment of tools and loan programs to meet your individual financing needs. We will guarantee you the best loan with the personal service you just can't find at the "big" banks.
How Much House Can You Afford?
Many sites offer generic mortgage calculators designed to estimate how much you can afford to spend on a home. You won't find any mortgage "guesstimators" on our site because we prefer to speak with you one-on-one. The truth is, purchasing a house is such a compex financial process and is dependent on so many variables that there's just no way a simple online calculator can offer real answers.
Take a look at our Loan Process section to get an idea of the information we'll need to get started and then give us a call. We'll review your information, answer questions, and offer real advice and real answers. We'll also get you pre-approved for financing, which will simplify the purchase process and can put you ahead of other buyers that may be interested in the same property.
Owning your own home can provide many benefits. In addition to the satisfaction of being a homeowner, you can build equity, enjoy tax deductions*, and take control of your personal living environment.
You'll find negotiating the purchase of your new home much easier if you are pre-approved for financing. Pre-approval assures sellers of your viability and establishes your purchasing power. Click the Apply Online link at the top of this page to get pre-approved today.
*Contact your tax advisor to confirm tax deductibility of any loan
Interest Only Mortgages:
- There are no reductions to the principal amount.
- There is no provision for negative amortization.
- Payments may increase up to an amortized amount, but the loan balance itself does not increase.
- Generally, interest-only payments are limited to the first 5, 10 or 15 years of the loan.
- After that, the loan is amortized for the remainder of its term.