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If you’re a first-time buyer and have yet to secure pre-approval, we’re here to help. We’re independent mortgage brokers and will help you find the right mortgage for you, maximizing your buying power while ensuring affordability with lower rates. Click here to find out more.

If you are going up against other bids for a home, consider writing the seller a letter. You’d be surprised how many sellers have chosen a slightly lower offer or a first-time buyer because the buyer wrote them a note telling them how much they love the property and how they envision their lives there. […]

Many homebuyers have waived the home inspection in recent months to secure the home they want in a bidding war, and while they’re sure to win the house, they’re also signing themselves up for a costly problem if there is a problem with the house. Learn what a home inspection involves and attend the inspection […]

Having a good agent on your side will make negotiations much easier, especially if you’re buying in a sought-after location. Do your research, look at reviews, and ask for referrals. You want the realtor that will guide you through the process, not leave you wondering what you should be doing next.

Yes, there are FHA loans, USDA loans, and VA loans, besides conventional loans, but many are for special circumstances. Make sure your mortgage broker knows if you may apply (such as being a veteran or looking to buy a rural home) so they can look into those options for you. Decide What You’re Willing to […]

Working with a mortgage broker takes all the stress out of applying for a mortgage. They’ll do all the research for you, often having access to mortgage offers you don’t, and help you decide which is best for you in a no-pressure environment. They’ll also help you get all your documents together and ensure you’re […]

Mortgage brokers are independent advisers whose job it is to help you find the right mortgage. They are usually free to work with because they are paid a commission by the lender when you are given your mortgage. There are strict rules around how mortgage brokers can get paid to ensure they aren’t biased toward […]

There are a lot of options out there for mortgages, all with different rates and terms. Being a first-time buyer can make you feel like you just want to be approved by anyone, but you need to consider that the lower the rate you get, the more affordable your mortgage payments will be. The best […]

Getting pre-approval isn’t a 100% guarantee that you’ll be able to borrow the money – they’ll usually check your credit again before giving you the mortgage, and they need to ensure the house you want to buy is worth more than the money you want to borrow from them. That said, you’ll be able to […]

Mortgage pre-approval is essentially where a mortgage lender promises that they’ll lend you a certain amount toward your home purchase. Once you have preapproval, you can view homes and put in an offer on a home knowing what you can afford.