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Financing

Doing your homework about loans will save you time and money. There are thousands of loans out there to choose from, but they may not all be right for you or the property that you are interested in. Things to consider when thinking about financing:

  • How much money are you willing or able to use for a down payment?
  • Are you a first time home buyer?
  • How is your credit?
  • Are you buying a fixer upper?
  • Are you buying in an area that has any special incentives such as:
    • Tax abatement.
    • Reduced rate financing.
    • Help for closing costs.
    • Reduced down payment requirements.

Receiving a loan requires the completion of a loan application and specific financial documents including pay stubs, rental checks, tax returns etc. Ask your Realtor for a list of loan officers or mortgage brokers who may have programs that best fit your needs.

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