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A Better Mortgage Process:

We have streamlined the lending process by keeping each loan in-house. You save time — and money.

In addition, because we're backed by VanDyk Mortgage Corporation, one of the largest privately held direct lenders in the country, we are able to offer very competitive rates and low closing costs.

A Better Mortgage Process:

We have streamlined the lending process by keeping each loan in-house. You save time -- and money.
In addition, because we're backed by VanDyk Mortgage Corporation, one of the largest privately held direct lenders in the country, we are able to offer very competitive rates and low closing costs.

Mortgage Loan Process

We offer a variety of residential home loans for both Purchase and Refinance transactions:

  • FHA Purchase & Streamline Refinances
  • VA Purchase and IRRL Refinances
  • USDA 100% Rural Development Loans
  • Jumbo loans up to $3,000,000

We offer a variety of residential home loans for both Purchase and Refinance transactions:

  • FHA Purchase & Streamline Refinances
  • VA Purchase and IRRL Refinances
  • USDA 100% Rural Development Loans
  • Jumbo loans up to $3,000,000
Mortgage Loan Programs

Tools and Resources:    

We offer all the goodies you need to help you choose the
right loan. Payment Calculators, Mortgage Glossary, Real
Estate Newsletters, and free downloads to help you make
educated, well informed, decisions.

Tools and Resources:     

We offer all the goodies you need to help you choose the
right loan. Payment Calculators, Mortgage Glossary, Real
Estate Newsletters, and free downloads to help you make
educated, well informed, decisions.

Mortgage Loan Tools

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"We needed a fast loan commitment and could not afford any delays because our seller was very difficult, and if we couldn’t provide a commitment letter on time..."more
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Mortgage Advice Column

4 Tips for Home Buying in Another State



Buying a home out of state can be very stressful, especially if you don’t have the time to travel there on your own. It can be very frightening to not know the best neighborhood without any guideline. It’s unfortunate how you might be gambling for your dream home. That’s just plain stressful!

In case you don’t have a friend or relative living in the state you want to move to, here are a few tips on what you need to know to make a purchase with no regrets.

Do your Research about the House’s Area

The number one thing you should do is research before you buy your dream home. It doesn’t matter if its in-state or out-of-state, but it’s the primary thing to do.

Go online and read about different cities and neighborhoods, including online listing homes. You will be familiar with the different agents that focus in the local community. The earlier you start the process, the less stressful it’ll be.

Find the Right Real Estate Agent

Many buyers are usually referred by family and friends to an agent. It is the best way to find an agent; however, home buyers who are relocating out-of-state usually have a hard time finding the right agent. So, it’s best to be picky when choosing an agent.

After searching online for homes, you can recognize which agents list the most in the neighborhood area. After recognizing different agents, it’s not a bad idea to email a few of them.

Don’t be Afraid to Ask Questions

If you get a little confused on a situation, don’t be afraid to ask questions. The process in another state will most likely be very different. Every situation is different, so just know that things might take a little longer than usual.

Again, don’t hesitate to ask any questions and be patient during the process.

Closing Process

Once you find your dream home, you will have to do a home inspection. If you have a chance to travel, try making it to the inspection as well as the closing date. If there’s any problem during the inspection, it’s easier to understand the issues in person.

After the inspection, the process should be the same as if you were buying a home in-state. Once you have closed on your home, the best way to make a long-distance move less boring is treat it like a road trip. Your move will be exactly what you make of it.

Newer or Older Home?




Life is full of exciting moments, especially purchasing your first home. Whether you are ready to move out of your parent’s home or ending your rental lease, purchasing your first property is a big step. You want to get it right. The one big decision you are facing is whether you should get a newer or older home.

 So, should you buy an old or new-construction home?
Age considerations tend to be the least of the home buyers worry. However, they naturally focus on the price and location of the home they want to buy. Here are advantages and disadvantages to consider when trying to decide which is best:

Old home benefits

The benefit of buying an older home is that they are going to be located in established neighborhoods and ideally near local stores such as shops, restaurants, parks, and public transportation.

Advantage of buying an older home:
  • It’s ideally in a more central location
  • Can buy in an established school district
  • Old house might have new upgrades
  •  Older homes have more character, custom design
  • Possibly cheaper

The disadvantage of buying an older home:
  •  Harder to find your dream home
  •  Financing could be tricky
  • Possibly be more expensive than buying a new home based on location
  •  Might have to settle for a smaller ideal home to live in the right location

New home benefits

The benefit of buying a new construction home is it’s never been lived in, meaning everything in the house is in good working order and nothing needs to be repaired.

Advantage of buying a new construction home:
  • Move-in ready (no wait or work to be done)
  • Updated technology
  • Ability to customize
  • Able to finance additions into mortgage
  •  Less competition more choices on floor plans

The disadvantage of buying new construction home:
  • More expensive than buying old home
  • Location might not be ideal
  • Construction nearby (hearing noise)


So, what do you think?

In the end, there’s no easy question. It really depends on the first-time buyer’s situation and goals. I believe it comes down to personal preference. Once you have your down payment saved up, you will be ready to go and know exactly what you’re looking for. Owning a home is the best thing that can happen. What is the right choice, for you?

Additionally, why not learn all about mortgage loans for the first-time buyers while saving for your house? If you want a full team of experts, we’re happy to help you make the best decision.  Please don’t hesitate to reach out to us for more details: 770-552-1000.

We look forward to hearing from you!



Can I Buy a House without 20 Percent Down Payment?





Many Americans do not own their dream homes today because they think they’re unable to afford the down payment. People assume they need to put 20 percent down to buy a home. Believe it or not, that’s not the case.

It sounds too good to be true, but you can buy a house with much less than 20 percent down. So, just how much money do you really need to buy your dream home?

According to the National Association of Realtors, the average median down payment has been 5 percent for first time buyers for decades. People don’t realize there are different kinds of mortgage loans that requires less than a 20% down payment.

So, How Low Are You Able to Go?

FHA Loans
The Federal Housing Administration (FHA) mortgage offers down payments as low as 3.5 percent. Majority of the first-time buyers don’t realize that it can be obtained from a financial gift.

VA Loans
The U.S. Department of Veterans Affairs (VA) mortgage offers Zero down payment to the military service members and their families. They are offered by most lenders across the country.

DPA
Down Payment Assistance programs are becoming more well-known by the day. It helps homebuyers get a house without putting down their own money.

Fannie Mae and Freddie Mac Conventional Loans
Fannie Mae loans offer down payments as low as 3 percent. While, Freddie Mac conventional loans offer down payments as low as 3 to 5 percent.


While many believe a 20 % payment is a requirement, you can see that there are loan options available. You don’t need a 20 percent down payment to purchase a house, you may be ready to buy a home today!

If you want a full team of experts to help your decision on what is the best loan option for you, we’re happy to help! Please don’t hesitate to reach out to us, we look forward to hearing from you!

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