• 11 Jan

    How Credit Plays a Role in Getting a Mortgage

    Most people Googling “how to buy a home” soon find out that credit score plays a big role in getting a mortgage. Your credit score shows lenders how to rate you as a borrower. Lenders want evidence that you pay bills and repay loans. A history of using credit plus a good credit score give […]

  • 04 Oct

    What Costs to Expect When Buying a Home

    If you’re researching the finances of buying your first home, the term “closing costs” likely keeps popping up. Closing costs are the charges and fees related to buying a house in your state and county and getting a home loan. It’s a vague term, we know. So let’s break it down and look at what […]

  • 16 Aug

    What’s the Difference Between Pre-Qualified and Pre-Approved?

    Quick quiz: You’re thinking of buying a home – What’s the first thing you do? A. Look online for open houses you can tour B. Find a real estate agent C. Talk to a loan officer  The answer is “C” – and not just because we’re a bank. A loan officer helps pin down your […]

  • 19 Jun

    First Time Homebuyer Programs Can Make Home Ownership Possible

    Did you know there are programs that can boost your home-buying power and make home ownership possible? Here’s information on some of the loans and down-payment assistance programs available to first time homebuyers, including how you can access them.  Federal Government Down Payment Assistance Programs First Time Home Buyer Assistance Programs: These vary year to […]

  • 01 May

    Top 2 Challenges for First Time Homebuyers

    Though the housing market changes from year to year (and even sometimes quarter to quarter), the challenge for first time homebuyers stays the same: affordability. According to The National Association of Realtors, 2018 renters looking to buy their first home say their top two concerns are saving for a down payment and qualifying for a […]