The goal is to have saved about 3.5%-20% of the home you would like… as well as three months living expenses. Yes, it’s tough. But it’s also so worth it.
*** We do also have a NEW Downpayment Assistance Program that could be a big help for many. See our FAQ page for details and qualifications.

There’s so much beauty in owning your own home. Personal pride and enjoyment. And long-term financial wisdom in earning equity and assets vs just losing money to rent. But it’s not worth jumping into until you’re budgeted wisely and comfortably. That peace is worth so much.

Choose us. Choose us. Choose us. In seriousness, this is an important step. You need to get a pre-approval letter from a Lender, in order for potential sellers to take you seriously. And we’ll also use our Direct Lender advantage and the advantages offered to First Time Home Buyers to make sure you’re paying the absolute least for this new exciting home.

We’d certainly recommend a Realtor. You need to consider location. School districts. Resale value. Cost per square foot. Negotiating. Home Inspection. Contracts. Home Appraisals. We could go on and on… you get the point. You focus on the beauty. Let your chosen Realtor focus on the details and then call us when you’ve found your dream home.

It’s easy to get excited about the emotions that rush with the thought of a new home. But go slow. Because feeling confident that it was a wise decision at the right time is a big deal. Go over your budget once more with your mortgage payment plugged in. And get details on utilities, homeowner insurance, or any other specific costs you’ll need for THAT home.

It’s truth. We often go out and buy some other cool things when we buy a new house. Just be careful doing that. Opening up new credit between contract day and closing day CAN potentially affect the closing. We’ll be happy to give you all the advice you need on this when we’re walking thru the process together.