I will take care of ensuring your loan approval in advance, saving you time in the home buying process. With an advance loan approval, you can begin shopping with confidence because you know up front the price range of homes that are appropriate for you and your estimated monthly house payment. This way there's no surprises, no hidden fees and no disappointments.

Down Payment Options
Typically, home buyers will need money for the down payment and to cover the costs to close the loan. The amount of money needed for a down payment will vary based on your financial situation. Generally, having about 10% - 20% of the total home cost, will give you very good mortgage options. However, there are several loan programs that offer Zero Down Payment and Low Down Payment. There are also loan programs available if you don’t have strong credit. I can work with you to assess your financial situation and find the loan program that best meets your needs.

Home Ownership Costs
Maintenance, improvements, taxes and insurance all add to the costs of owning a home. Some communities require a monthly homeowner's association fee.
If you're concerned about these types of additional costs, you may want to consider home loan options that minimize fees and lower your mortgage payment relative to other home loan programs. I can discuss these concerns with you to help ensure you’ve considered all the costs of homeownership, before closing your loan.

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