Tips and tools

Tips for First-Time Home Buyers
  • Pay Off All Debt to maximize buyer ability.
  • Determine How Much you want to pay.
  • Save a Down Payment or get a gift.
  • Save for Closing Costs.
  • Get Preapproved for a Loan.
  • Find a home for Sale in Your Price Range.
  • Research Neighborhoods for Best Fit.
  • Attend Open Houses and Think Long Term
Refinancing Tips-under tips & tools page
  • Move quickly rates change daily
  • Make sure your credit is good if possible
  • Home prices are going up don’t wait till they go down
  • Consider arm rates to get the lowest payment
  • Refinance to the shortest term you can afford, 10-15 years pay off the fastest
  • Have an adjustable? Consider moving to a fixed for long term security