Buying a Home
“The ache for home lives in all of us, the safe place where we can go as we are and not be questioned” - Maya Angelou
3 Ways to Secure a Lower Interest Rate in Today’s Market
A 321 or 21 buydown involves getting a lower rate and payment for the first 2-3 years depending on how the loan is setup. This is a great strategy to get into a home for a lower monthly payment, and refinance when the buydown time is over. There is a cost to do this, so during a buyer’s market this is always great to negotiate these costs for the seller to pay.
Thinking about making a move?
You deserve to build wealth on your own terms - we are here to serve you and empower you along the way!
2023 Current Loan Programs
Benefits of working with us:
Creative Finance Specialists
Unique negotiations to win offers
Work with same agent through home buying experience
Connected with best local lenders in the state to choose from
Trusted Home Inspector referrals
Free coffee of your choice on tours
Free 1 Year Home Warranty ($800 value, AHS.com)
Personally selected homes right to your inbox
Same day tours
We promise our full attention and awareness for your journey
Don’t Miss Your Dream Home
Zillow & Redfin regularly admit they don’t show all homes because they compete with one another. For example, a Redfin-listed home will not show up on the homes for sale map on Zillow. Let’s avoid getting caught in the crosshairs of these two tech companies. Get all homes on your phone right from the NWMLS.
FAQ
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Absolutely! It matters which real estate agent you work with. Their ability to come up with programs and solutions to keep your rates down is critical. Check the 3 main ways to lower your rate at the top of this page and let us know if you have any questions!
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Despite what a lot of lenders say, there is NO credit score requirement from the VA. They look at how well you are making your payments and what your income sources are.
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This is a myth. Some loans start as low as 580, and a 620 credit will allow you to apply to zero down programs.
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Not at all! Depending on what you qualify for, it could be absolutely zero down.
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Mortgages are usually less than rent every month, and the money it takes to buy a home is usually much less than a security deposit.
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Once you decide you’re ready to start your buying journey, the first stop in your power team is a mortgage lender. We have trusted home lending partners that we have done business with again and again that we can connect you to same day, or you’re welcome to bring your own. Once we find out how much you “house” you qualify for, we go home shopping!
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Yes, but with the right agent by your side, a lot of those costs can be negotiated. These things can include closing costs, inspection cost, and earnest money (refundable).
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It is very important to feel good about what you want to do next. Owning a home has great benefits like tax savings, complete control, and you’re building true wealth for you and your family. Renting a home is great if you’re not sure where you want to live or for how long, or need more time to get your credit score or income in order for buying a home. There is no right or wrong option. We want you to feel excited and empowered!