Financing

Call us for a list of local lenders who can help you!

Take time to grasp mortgage shopping—it can reduce costs over a shorter period.
Get pre-approved—it's fast, free, and essential. With a written pre-approval, you'll know your mortgage amount upfront, avoiding wasted time on homes beyond your budget.
Assess your finances. Determine what you can comfortably afford monthly, considering insurance, taxes, interest, and principal.

Choose the right loan. Compare fixed-rate vs. adjustable-rate mortgages and consider future financial obligations.

Review your credit report early to correct any errors before a lender checks it.
Shop around for loans. Direct lenders make final decisions, while brokers find options but earn a percentage.Compare loan costs, such as interest rates, fees, points, and penalties, to avoid surprises.Apply for a loan with all necessary documents, including pay stubs, bank statements, and tax returns.
Lock in your interest rate to avoid rate fluctuations. Secure all costs in writing at the application stage.Inquire about pre-payment options to potentially shorten your mortgage term and save on interest.
Resolve any financial issues, like credit problems or IRS debts, to enhance your home buying prospects.

Call us for A LIST OF LOCAL LENDERS!! 575-388-1921

Whether you choose to do business with us or not, we are here to answer any questions you have.