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Deciding to Buy

Thinking about buying a home?

Buying a home is an important step in building a secure financial future.

You don’t need a big down payment
There are many loan programs that can help you buy a home without a lot of cash, or any at all. In fact, 7 out of 10 first-time homebuyers make a down payment of 10% or less. Ask us about the USDA loans that do not require any cash down payment.

You can have a lower credit score
A less-than-perfect credit score doesn’t have to stand in your way of reaching your homeownership goals. FHA loans have helped thousands of individuals move beyond credit challenges into homes of their own.

Rent vs. Buy
As a homeowner, you’ll be building wealth as your home equity grows instead of paying someone else’s mortgage with your rent each month. Unlike rent, the interest you pay with your mortgage payment can be tax deductible. With owning your own home, you can change things as you like instead of waiting for Landlord approval.

Rent costs will rise but your monthly principal and interest payments will stay the same for the life of a fixed-rate mortgage. A good loan officer will carefully review your loan options with you and help you choose the loan that’s right for you. With a loan that fits your budget and your financial goals, your home will be a powerful tool in building a secure future for you and your family.