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
Free Rate Quote!
Get free rate quote and closing cost analysis. Use our 3 Step form to get started!
Our Happy Clients
"Renee Glover did an awesome job getting us through the purchase of our new home. Moving from DFW area to South East Tx for a job opportunity was really a challenge but Renee made us feel like family. That is very important to us. Thanks to Renee we were able to get our dream home."
"Renee was very helpful. She went above and beyond helping me finish the paperwork and even helped when there was a computer glitch on my end. I appreciate all she did for us as first time home buyers."
"Renee kept us up to date on everything as it happened. She made sure we had all our ducks in a row to make the application process go as smoothly as possible."
Renee was amazing with all the help on buying our house. This is our third house buying experience & she has been the best so far! I would highly recommend her to anyone that is looking for a lender. She has an app that you could look up an estimated amount of stuff to know where your payments may be or what you would need for a down payment. We had a lot of questions about different things and she was there with an immediate response trough email or text. If you aren’t too sure who to go with We would definitely suggest to pick Renee Glover.
The saler contacted Renae and the very next day she was on vacation and still start the process for us but our home.she jump right on it.she difinitly will get referreal from me.
Renee is amazing! She made my process of being a first time home buyer extremely easy. She worked diligently with my realtor to get me in the home I fell in love with. She is a pleasure to work with and I highly recommend her. I couldn’t be happier!!!
Renee made the dream of owning our first house possible. She made the process very easy and convenient. The communication was excellent. I recommend Renee highly to anyone. She made it possible for me and my family as she will for yours.
She a very professional person, and the key to realize our dream of having our home, when you talk about morgage everything refers to complicated processes and documentation, but with Renee everything was easy and simple, excellent communication and dedication that I allow everything to be done in the estimados.la times I recommend with confidence. Thank you Renee