NEED A LOAN?

Financing is the first step to purchasing your new home. Finding a lender that offers great service and financing options that work best for your financial situation is critical. A local financial institution that has been in business for several years is going to give you the most security when you use them to finance your home. Ask them to go over the conditions that need to be met to get the loan, be sure you understand the good faith estimate so that there are no surprises at the closing table.

Don't have money to pay for your closing costs?  Often times, you can negotiate to have the seller of the home pay a certain amount for your closing costs.  Just remember, if you negotiate with the seller on closing costs, you probably won't be able to negotiate as much or any on the price of the home.

Ask questions, have your lender  explain ARMs, Ballons, Conventional Loans, FHA and VA loans, Variable Rates.

Are you a first time home buyer? You may qualify for special financing, just ASK your lender.

Remember that once you've been pre-approved it is critical that your financial situation not change, don't open any new lines of credit, loans or change your job until after you close on your home loan. Follow your lenders instructions, get them them the documents they request in a timely fashion and the financing part of your home buying will be easy.

Here are some lenders I can confidently recommend.....