Use the quick & easy tool below to find out what you qualify for.
It's Not As Scary As You Think. I can Help Show You the Way!
No matter where you are in the home buying process, education is key. If you're wondering how it all works, download my free home buyer guide. It has a ton of great information to answer some large questions and we can work out the details during our buyer consultation.
There are a ton of online calculators out there that can spit out a number. However the answer to that question is as unique as you are. Having a good initial planning meeting with me can help define your goals and find out how much home you need to meet those goals.
If your are moving in less then 6 months, then we need to have a conversation to begin the process. There are two important things to do:
First get pre-approved for your loan. You need to do this BEFORE you look at any houses or attend open houses. There are several benefits to doing this first:
Next find a real estate agent. I have several top notch ones that I can refer you to. They have access to every home on the market. Online portals like Realtor.com and Zillow only have about 70% of the inventory, not to mention "pocket listings" of homes that never put into the MLS. A good agent will:
With a pre-approval letter from me in hand and an awesome agent to show you homes, you're ready to hit the ground running and find your first home!
Here are some common loan programs that are suitable for those buying their first home:
I would love to help you and your family buy your first home! Click the button below to get started!
To qualify for a mortgage, lenders typically require that you have a debt-to-income ratio of "43/49." This means that no more than 43% of your total monthly income (from all sources, before taxes) can go toward your new mortgage payment, and no more than 49.99% of your monthly income can go toward your total monthly debt (including your mortgage payment). VA and FHA loans even allow for higher debt ratios on a case by case basis.
Mortgage rates change every day, and your rate will vary based on your location, finances, and other factors. Get your FREE customized rate comparison below: