Home Mortage, a common misspelling for Home Mortgage

There is more to understanding the home mortage process than simply finding a home, making an offer, and closing the deal. That's why we are here to make things easier on you during your search for the right home mortage.

What Can You Afford?
The first part in the home mortage process is finding out how much home you can actually afford. Then you have to decide if you want a Fixed Rate Mortage or a Adjustable Rate Mortage. This is based on how large a down payment you have and what kind of monthly payments you can afford. When you contact us, we'll work with you to compare your monthly income with your monthly obligations (debts) and determine how much you'll have available each month to spend on a home mortage. This information will give you a great place to start. It also means you're less likely to suffer the heartache of falling in love with a home you can't afford. You might have to look into Fixed Rate Mortage IO's or Interest Only loans.

Documentation
We'll tell you exactly what documentation you'll need to have on hand when the time comes to secure your home mortage. We'll even pre-qualify you. Being pre-qualified means you have conditional proof of your ability to get a loan from us up to a certain amount, which puts you one step closer to a purchase with a home mortage.

Finding Your Dream Home
Now you're ready to house hunt. Find the house you can afford and wish to purchase, make an offer, and come to an agreement. However, prior to beginning the house hunting process, you should consider working with a buyer's broker/real estate agent, who will represent your interests and not the seller's. This individual should be able to provide you with valuable information regarding the neighborhood of your dream home, current housing prices, negotiation advice, etc. You can also let them know you are working with us to secure a home mortage.To get the home mortage you need, just provide us with a copy of your purchase agreement and a completed loan application with all required documentation. We will promptly process your home mortage and if all requirements are met, soon you'll be one of America's new homeowners.