Joe & Trenity

Managing Partners

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(877) 320-7053 - Trenity

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Purchasing Your 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 viablity 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.

Ready to get Pre-Approved for a Home Loan?

Call Now! (877) 267-3216 for a no obligation consultation and pre-approval.

Which Loan is best for You?

To help determine the best loan program for you, consider the following:

  • How important is payment certainty?
    If knowing that your payment will be the same every month is important, consider a fixed-rate mortgage.

  • How important is rapid equity buildup?
    If rapid equity buildup is a factor, consider a shorter term, such as a 15-year, fixed-rate mortgage.

  • How important is it to have the lowest payment possible?
    Going from a 15 or 20 year term to a 30 year term may substantially reduce your payment. You should also consider an adjustable rate mortgage if you plan to be in your home 10 years or less.

Loan Programs
We have highlighted the most common loan programs below. The characteristics and benefits of each loan program are unique, so give us a call and we'll gladly go over the details and help you decide which program will best fit your goals.

Fixed Rate Mortgages:

  • Interest rate does not change.

  • Principal and interest (P & I) payment does not change.

  • Fixed-rate mortgages fully amortize over a defined period of time (the loan term) and are paid in-full at the end of this period.

  • Loan terms of 10, 15, 20, 25, and 30-years are available so you can choose the term best for your unique situation.

  • The shorter the loan term, the faster equity is built and the sooner the loan is paid off.

Adjustable Rate Mortgages:

  • Interest rate may change after an initial fixed-rate period.

  • Principal and interest (P & I) payment fluctuates as the interest rate adjusts.

  • ARMs are especially attractive if you plan to be in the home for a limited time.

  • ARMs offer borrowers initial interest rates that may be substantially lower than fixed-rate mortgages.

  • As interest rates rise ARMs will remain attractive low rate options.

  • ARMs offer fixed rate lengths of 5, 7, or 10-years allowing you to choose the perfect fixed rate period.

  • The lower interest rate may help borrowers qualify more easily.

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.

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Lending in: Alabama (20357/20898); California: Licensed by Department of Corporations, California Finance Lenders Law (CA-DOC603J195); Colorado: (38958); Florida (MLD343); Louisiana (RML 2601-0); Mississippi: Licensed by the Mississippi Department of Banking and Consumer Finance (508/2004); North Carolina (L-166697); Tennessee (108932)