This section of our web site is full of useful information for the first-time home buyer as well as the seasoned home owner. Click a link to read the entire article, then give us a call. We'd be happy to answer any of your questions.

Mortgage Glossary
...A useful tool for understanding the terminology used when purchasing or selling your home...

Adjustable Rate Mortgages
Adjustable-rate mortgages (ARMs) differ from fixed-rate mortgages in that the interest rate and monthly payment can change over the life of the loan. ARMs also generally have lower...

Your Credit History
As part of the loan application process, virtually all lenders will want to see a copy of your credit report. The report will list all your long-term debts...

Getting Your Finances in Order
A crucial step in starting your search for a new home is having a clear idea of your financial situation. By getting a handle on your income, expenses and...

Appraisals & Market Value
Q: What is the difference between market value and appraised value? A: Appraised value is a certified appraiser's...

How Much Can You Afford?
Understanding how much you can afford is one of the most important rules of home buying. Depending on your individual situation, your budget can affect...

How Mortgage Loans Work
Excluding property taxes and insurance, a traditional fixed-rate mortgage payment consist of two parts: (1) interest on the loan and (2) payment...

Leveraging Your Money
One of the greatest financial aspects of buying a home is the ability to leverage your money. Simply put, leverage allows you to use a small down payment...

Understanding the Different Types of Loans
Today's homebuyer has more financing options than have ever been available before. From traditional mortgages to adjustable-rate and hybrid loans...

Mortgage Terms
In the past, the 30-year, fixed-rate mortgage was the standard choice for most homebuyers. Today, however, lenders offer a wide array of loan types in varying...

When Should You Pay Points on a Loan?
When it comes to comparing interest rates for a mortgage loan, homebuyers often have the option of choosing a loan with a lower interest rate by paying points...

Saving for the Down Payment
Saving funds for a down payment should be part of an overall program to get your finances in order prior to shopping for a home. This includes rounding up financial...