Interest rates are at an all time low. This is absolutely the right time to buy. ​If you are interested in purchasing a home, but don't know how to begin, we would like to help.

Are you needing assistance with your down payment or closing cost? No problem, there are programs available to assist you.

No credit or bad credit, but you've had a job for at least two years? There is a possibility of financing for you too.


Why has my mortgage payment changed?

Contrary to some believes a mortgage payment can change. If you are on a flexible mortgage or an ARM your payments are subject to changed based on the interest rate and time frame. Also, if your taxes and insurance are held in escrow and paid by your mortgage company there could be a change in your taxes or insurance. Be sure that all your possible exemptions are filed and review your homeowners declaration page yearly to ensure no major fluctuations in your insurance premium or your mortgage payment.

Always Keep Reserves

Whether you are buying a new home or renting a new home, it is always best to keep at least 3 to 6 months of payment in reserve and for the obvious reason. While it may not be mandatory, it's just best to be safe.

How Much is the Cost?

Often paying for a mortgage is not as expensive as one may think. ​This calculator will let estimate how much you would pay giving your interest rate and terms only.