From the first time home buyer to the seasoned investor, lenders have the solution to get you into your home quickly and easily.  Owning your own home provides several benefits.  In addition to the satisfaction of being a homeowner, you can build equity, enjoy tax deductions, say "good bye" to your landlord and take control of your living environment. Whether you are a first-time home buyer, renter, or are purchasing a new or second home, there is an assortment of tools and loan programs to meet your individual financing needs.

Lenders can help you realize your home ownership dreams by offering you all the best advantages:

• Low rates
• Quick & easy application
• Broad range of traditional and innovative mortgage programs
• Guidance and advice from an experienced and knowledgeable mortgage professional

Determine how much you can borrow and buy by speaking with an experienced mortgage professional.  What you can afford depends on your income, credit rating, current monthly expenses, down payment and the interest rate.  Providing the information will allow lenders to help you calculate how much you can afford to spend on a home.  However, many additional factors play a part in the loan qualification process which is why you need to speak with a professional. When making an offer on a home you want to have the upper hand in negotiating.  Getting  pre-approved for maximum buying power will allow you to be confident in your ability to make an offer on your dream home.  It will also show the seller that you are prepared and they do not need to worry about your ability to afford the home. You can beat the competition and negotiate more effectively when you are pre-approved. 
 

New Construction 

Are you thinking about buying a newly constructed home, or are you looking at condominium developments?  Talented loan officers are exceptional at structuring a loan program for these situations.  They can offer special financing and rate locks through completion of the construction.

Home Buyer Tax Credits Available

If you are a first-time home buyer looking to purchase a home, you may be entitled to receive up to $8000 back from the Government.  Buyers must have a binding contract on a home on or before April 30, 2010 and close on the home by June 30, 2010 to be eligible for the credit.  For qualifying purchases in 2010, taxpayers have the option of claiming the credit on either their 2009 or 2010 return. Additionally, long-time homeowners who buy a replacement residence may also claim a home buyer credit of up to $6500.  The homeowners must have lived in the same principal residence for a period of five consecutive years. If you are interested in this program, please contact a mortgage professional.