Understanding Your Finances

Lending Information

Step #1 to purchasing a home is choosing your lender and knowing your buying power!

There are several different types of loans and programs that you may qualify for! The lender is able to discuss your options and help you choose the best program for you!

Closing Costs

These fees are IN ADDITION to any down payment for ALL loan types. They include escrowing your taxes and insurance, lender fees, and title company fees. Generally speaking, the average is approximately 3% of your sales price.


This is your debt to income ratio – In addition to your credit score, the lender will review your credit report to discuss the ratio of your income versus your expenses.

Down Payment Assistance

There are options available to some home buyers that will help come up with the down payment for your home, typically in the form of grants, loans, and other programs.  Your lender can determine if you qualify for them.


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