Let Us Help You Buy Your New Home!
Purchasing a home is a very exciting time, and being well
prepared will help you make better decisions. Take this
opportunity to learn more about home buying and the mortgage
process. Below and throughout this site you will find
information that will help you with the purchase of your new home.
Am I ready to buy?
Buying a home offers many advantages, one of the most significant being that it allows you to build equity (ownership) when you pay your mortgage each month. A common myth is that monthly mortgage payments are more expensive than rent. But, in many cases, mortgage payments can be even less than rent. When considering home ownership for the first time, you need to decide whether buying makes financial and practical sense for you right now or if you are better off renting. Consider both the advantages and disadvantages to renting as well as buying, and weigh the pros and cons for your situation.
How much house can I afford?
The first step toward finding the right home is to
quickly compute your purchasing power and determine how
much you can afford to pay each month. This saves you
time by allowing you to focus on homes in your price range.
In addition, in the planning stage, you should consider both the up-front and ongoing costs associated with purchasing a home.
Some up-front costs include:
Down payment: Typically ranges from 3-30% of
the cost of the house. The more you can put down, the
greater equity you will have in your home and the lower
your monthly payment will be. For down payments, less than
20% you may also need to pay mortgage insurance.
Closing Costs: Typically range from 2-6% of the loan amount depending on your area.
On-going Costs: Your housing costs can include the following:
Monthly mortgage payment
If applicable - Flood Insurance
If applicable - Property taxes
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Our Happy Clients
Ryan Cisney was the reason my first home was able to be purchased. He was able to get my loan approved, had the knowledge of programs that qualified me to receive a grant toward the home, as well as a prompt assistant. They made the process so easy that I never even had to meet in person until closing! Even at the closing he still surprised me by bringing me a few little gifts. He will have your back in the home buying process and will be able to answer your questions with ease and confidence. I will definitely refer home to any family or friends looking to buy a home.
We are so grateful that we stumbled upon Ryan just at the right time in our lives. It was truly great to work with him through out our home buying proccess. He was able to help us get into our first home within 6 weeks start to finish, and made it such a smooth, easy process for us. He was super personable and honestly he now just feels like a family friend. He is very knowlegable and great at what he does, and I would highly recommend him to anyone looking to get a mortgage loan. He bent over backwards to help meet our needs. We really appreciate all the hard work he put in on our behalf!
Not much more to say, than perfect! It was a streamline re-fi so no pesky appraisal, and we closed fast. Ryan is the BEST. Why? Because somehow he is able to keep his distance and our privacy....but also know our needs and focus on meeting those.
Ryan is extremely easy to work with and follows up with all questions. I had a check list right from the start of what documents were needed so I didn't have to keep getting phone calls on what they need now. this has been the easiest and quickest loan process I have ever had. I didn't have to jump through hoops every time I turn around. High recommend Ryan and his team.
p>My husband and I used Ryan to purchase our home last month. Our process was incredibly smooth and his team was so helpful. They were very attentive to questions we had and thorough explaining what exactly we were signing. We highly recommend Ryan! He was awesome to work with.
Ryan and his team did such an outstanding job! They closed on my house within 13 day (which is pretty impossible to do). They made sure I had no stress, and with that being my second house i know how stressful it is to purchase a house. They did it all on their own and all i had to do is sign papers. They made sure all my needs are met, and i mean ALL> I would recommend Ryan and his team to everyone! I am very very very pleased with their work!