Let Us Help You Buy Your New Home!
Purchasing a home is a very exciting time, and being well
prepared will help you make better decisions. Take this
opportunity to learn more about home buying and the mortgage
process. Below and throughout this site you will find
information that will help you with the purchase of your new home.
Am I ready to buy?
Buying a home offers many advantages, one of the most
significant being that it allows you to build equity (ownership)
when you pay your mortgage each month. A common myth is that
monthly mortgage payments are more expensive than rent. But,
in many cases, mortgage payments can be even less than rent.
When considering home ownership for the first time, you need
to decide whether buying makes financial and practical sense
for you right now or if you are better off renting. Consider
both the advantages and disadvantages to renting as well as
buying, and weigh the pros and cons for your situation.
How much house can I afford?
The first step toward finding the right home is to
quickly compute your purchasing power and determine how
much you can afford to pay each month. This saves you
time by allowing you to focus on homes in your price range.
In addition, in the planning stage, you should consider both the up-front and ongoing costs associated with purchasing a home.
Some up-front costs include:
Down payment: Typically ranges from 3-30% of
the cost of the house. The more you can put down, the
greater equity you will have in your home and the lower
your monthly payment will be. For down payments less than
20% you may also need to pay mortgage insurance.
Closing Costs: Typically ranges from 3-30% of the cost of the house. The more you can put down, the greater equity you will have in your home and the lower your monthly payment will be. For down payments less than 20% you may also need to pay mortgage insurance.
On-going Costs: Your housing costs can include the following:
Monthly mortgage payment
If applicable - Flood Insurance
If applicable - Property taxes
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Our Happy Clients
"Brandon is great! I was looking to refinance my home and Brandon and his team surpassed my expectations. They placed me in a better loan than I expected with a very quick turnaround time. They made the whole process simple and straightforward on my end, and I have not been able to say that about any other agents I have worked with in the past. Thank you again Brandon and team, you are all amazing!"
"I can not recommend any higher level of Profressionalism and honesty from a team that is responsible for one of the Biggest decisions in your life. Thanks again Brandon Funk!"
"Brandon's team is 'Top Shelf.' They painlessly collected my documentation and had me with my purchase of an investment property. As an independent contractor, sometimes financing can be more difficult. Brandon's team was able to help me complete my investment property purchase with ease. I would not hesitate to recommend Brandon to anyone who values customer service."