Preparing to Buy a Home
A practical starting point for getting your finances, documents and expectations organized.
Understanding Your Credit
Learn what lenders generally review and why your credit profile is only one part of the picture.
Mortgage Terms Made Simple
Plain-English explanations of common mortgage words and concepts.
What Happens After You Apply?
A clear overview of the mortgage process from application through closing.
Down Payment Options
Why 20% down isn’t the only possibility and what can affect the amount you may need.
Understanding Home Equity
Explore the differences among a HELOC, home equity loan and cash-out refinance.
Frequently Asked Questions
How much home can I afford?
It depends on more than a maximum approval amount. We’ll look at income, debts, assets, credit, taxes, insurance and—just as importantly—the monthly payment you feel comfortable carrying.
Do I need 20% down?
Not necessarily. Down-payment requirements vary by program, occupancy, property type and borrower eligibility.
Should I get pre-approved before looking at homes?
Usually, it’s a good place to start. The goal isn’t simply to get a pre-approval letter. It’s to have a plan.
I’m self-employed. Can I still qualify?
Being self-employed doesn’t automatically prevent you from qualifying, but income is often calculated differently. We’ll review the documentation and programs that may apply to your situation.
Is it too early to call if I’m not ready to buy?
Absolutely not. Sometimes earlier is better. A conversation now can help identify the steps that may put you in a stronger position later.
