Financing

Choosing to buy a new home is a decision that deserves careful thought and planning. The process of financing a new home can seem daunting, but knowing what you are doing by getting assistance from the right parties can minimize the risks and help you to get the home of your dreams with as little hassle as possible. We’ve helped many future homeowners through this process, and can help you, too.

The best way to get started on financing? CALL US!

Your Mortgage Options

There are multiple options available when it comes to mortgages, each one suited to different circumstances. The two most common types of loans are Fixed-Rate Loans and Adjustable-Rate Loans. Fixed-Rate Loans offer a consistent payment system that will not fluctuate throughout the course of the loan. Adjustable-Rate Loans are more flexible if the need to move or refinance arises, but the payments and interest may change after a set period.

Why Your Credit Counts

Don’t underestimate the importance of your credit score when applying for a home loan. A credit score is a measure of past credit dependability used to predict future behavior. It’s basically a way to gauge how likely you are to be able to pay off the loans or debts. Every time you use credit, it will affect your overall score, either positively or negatively. When applying for a home loan, a good credit score could potentially result in lower interest rates.

The Mortgage Process

We recommend a handful of lenders that have proven trustworthy, and have shown excellent service with our new home buyers. If you prefer to work with your existing lender, that’s great too!

Timbercraft Living

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