Purchases

Congratulations! You have just taken the first step towards the American Dream. Our goal is to save you time and money and to make sure the transaction goes smoothly from start to finish. We’ll help you figure out how much you can afford to buy as well as how much your monthly payment will be. We have programs for virtually everyone. If you are a first time homebuyer, we have 100% financing loans and even loans where you can put 0% down and we will finance your closing costs up to 107%. If you are currently a homeowner, we are patient until your existing home is sold and may even be able to provide you with a bridge loan to get you to your closing sooner. If you have challenged credit or wish to purchase an investment property we have programs for that too!

Using a Real Estate Professional
Purchasing a home is usually the biggest investment a person will make in their lifetime. Using a Real Estate Professional is a smart way to make sure the process is a smooth one. Having your own agent will protect your interests and can potentially save you thousands of dollars. When you are working with a "Buyers Agent" they are working for you, not the seller. The "Listing Agent" is working for the seller and not always in your best interest. It is important for you to establish a relationship with an agent you are comfortable with and who understands your needs and wants. Since they have access to the Statewide Multiple Listing Service (MLS) they have the latest information on the homes for sale in your area. They can advise you of all the details of the home and how long it has been on the market and can even tell you about the area’s schools and other facilities. They can help you evaluate whether a particular home is a smart investment by conducting a comparative analysis of neighborhood homes. Most importantly, they will help you negotiate the best deal and guide you from the purchase agreement to the closing.