Purchasing A Home

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Home buying rates are at their lowest now, which is encouraging many consumers to make the important decision to buy a home. This is a decision that should not be taken lightly and it is important for each potential homebuyer to remember that the mortgage professionals they choose to work with will make a tremendous impact on the purchasing process. At Americas Finest City Mortgage we offer low interest rates and closing costs as well as attentive client services to ensure the purchase closes on time. Most importantly, however, we support our clients throughout the entire process to help this often confusing process seem simpler.

When preparing to buy a home it is easy to get overwhelmed. This is especially true if you are a first-time homebuyer and don’t know what to expect. Having an understanding of the steps involved in purchasing a home can help you to feel more confident, relaxed and prepared for your buying experience.

Prequalification

Your first step in obtaining financing for your home is determining how much you can afford. This will help to make the process of narrowing the real estate options so that you can more quickly identify the home that you wish to purchase. After you have determined the home that you wish to buy and that this home fits into your price range, you can seek preapproval for a mortgage. This preapproval is based on the verification of your financial resources as well as any liabilities. By receiving preapproval you will hasten the buying process and could even put yourself in a positive position to negotiate with the seller of the home.

Selecting the Appropriate Loan

Once you have determined your financing needs it is important to choose the mortgage loan product that is appropriate for your particular situation. There are various loan options available, so it is important that you carefully review each in order to select the one that will best meet your needs in order to facilitate a smooth and successful home purchasing experience. We offer conventional, FHA and VA financing and will happily discuss these options with you to determine which would be the best choice to help you achieve your home buying goals.

  • FHA Loans: These mortgages are backed by the Federal Housing Administration to support home ownership amongst low to moderate-income families. The loan is insured by the FHA, which means that greater lending flexibility can be extended.
  • VA Loans: These mortgages are backed by the U.S. Department of Veterans Affairs to support home ownership for military veterans, those in active service, those in the reserves as well as qualified surviving spouses. The loan is partially guaranteed by the VA in an amount reliant on the size of the total loan.

Security

We are an FHA and Government Approved Mortgage Lender, meaning we can offer you the safety and security of a federally insured home purchase loan. With flexible payment terms to suit your needs, FHA home loans are a popular option for new home buyers.

Closing your loan in 28 days

With our 28-Day Close Guarantee, you can move into your house in a fraction of the time it takes when working with traditional banks. No matter your situation, America Finest City Mortgage can get you the right new home loan at the most competitive rate. We provide lending options for first-time home buyers, move-up buyers who are upgrading or moving, retirement real estate financing, buying a vacation home, and property investment financing. Skip the hassle, and call Americas Finest today to see how easy it can be to buy your next home.

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