Shopping for the Right Mortgage?

Home Buying Process

Making the home financing process easy and transparent.

Get pre-approved

Set up a call to go over goals and become educated with the mortgage process

Find a home

Our team can connect you with trusted professionals to help meet your needs

Close in 30 days or less

Our goal is to help you feel educated about the process and to have the time to plan and decide before signing a contract

Where to Start?

Finding a mortgage that’s right for your or refinancing your home should be easy. However, there are many programs to choose from and many ways to structure a loan. We make it easy:

Before you begin, ask yourself these questions:

How long do you anticipate living in your new home?

Do you expect any changes over the next few years, such as expanding your family or having children go off to college or move away?

Do you expect any changes in income due to promotions, relocations, retirement, inheritance, or pensions?

Are you expecting a change in your investments?

Do you have a retirement plan at work and do you contribute to it?

Do you have other debt?

Begin our easy process:

Calculate mortgage payment or utilize other set of financial calculators

Submit an electronic application securely to start the mortgage process today

Learn about our loan programs and types of loans available to you

Is your family growing?
Ready for your next move?

APPLY NOW

Considering an investment property second home vacation property ?

WE CAN HELP!

Investment properties are investments in more ways than one. While you can realize significant income over time, you also will be making personal investments of time and money

Consider the Following Tips:

Tip 1:

Know the Going Rates

Research what types of properties are available in the area and what the rental rates are

Tip 2:

Understand Full Cost of Ownership

When considering the income from rent, think about the expenses. The mortgage loan is only one of the expenses. Additional expenses may include taxes, insurance, license fees, utilities and upkeep (like paying a property manager or someone to mow the lawn and shovel sidewalks). Plus, you’ll have to factor in out-of-pocket expenses during vacancies. If nobody is there to pay the rent, you are responsible for the rent.

Tip 3:

Know Your Personal Finance

Your total debt payments, including all mortgages, cannot exceed 36% of your gross income.

Learn about tax implications. Typically, interest on a second home mortgage is tax deductible. You will qualify for additional tax benefits on a rental as well. Talk to a trusted tax advisor.

Tip 4:

Identify Contractors

You’ll want to have a go-to list of reputable plumbers, electricians, and other service providers for general maintenance and emergencies. Talk to a trusted tax advisor.

Tip 5:

Read Up On Your Rights and Responsibilities as a Landlord

Learn about local licensing and ordinances, rental agreements, the eviction process, and rights and responsibilities of landlords and tenants.

Tip 6:

Screen Tenants

Protect your investment. Create your process for screening tenants. Plan to run credit checks on all potential tenants. You’ll also want to call current and previous landlord references and find out about timely rent payments, as well as how tenants treated a property.

Is an Investment Property in Your Future?

SCHEDULE A NO-COST CALL

Let’s talk about financing options that will help you meet your goals.