Susan Godbee & Pat Harrell

The best time to begin thinking about financing your new home is well before you begin looking for one. For most home buyers, there's a lot to think about! Finding the best financing for your home can combine many different factors. For example, the typical considerations are: the price of your new home, current interest rates, the down payment you want to make, the length of mortgage, different sources of financing, and your credit history.

These are common factors but sometimes financing considerations also include things like mortgage insurance, title insurance, bridge loans, or other financial instruments. Sounds intimidating?

Not to worry. It's actually simpler than it sounds and we stand ready to guide you through the entire process.

To begin with, get prequalified with a lender of your choice. We recommend talking with more than one and choose the person you feel comfortable with.  They should be able to answer all your questions and be attentive to your specific needs. Ask about fees, rates and if they close on time. Usually, they can offer you different programs to choose from.