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The financial and emotional investments involved with purchasing a home are a challenge. Becoming prequalified for a home loan positions you to make a smart decision over an emotional one.īuying a home is a daunting decision. It’s not nearly as much fun as looking at houses. Homeowners are often afraid to become prequalified for a loan. In some areas, the amount you pay for taxes and insurance escrow can almost double your mortgage payment. It’s important to check out the costs of property insurance, taxes, homeowners association, and maintenance dues in your desired neighborhood. Of course, your mortgage won’t be your only financial responsibility. Here are a few sources where you can get a glimpse of your credit score. While there are no strategies to immediately improve your credit score, you are able to correct it by identifying its shortfalls, all in time to make a meaningful impact on your home purchase. Having the best credit score possible is advantageous when purchasing your home loan. Just enter in how much you can comfortably afford each month for a mortgage payment to get a glimpse of what your monthly payments would be if you bought today. You can do this using our mortgage calculator. You may also get in touch with us as we have plenty of mortgage bankers that are willing to help.Īfter you get an idea of housing costs in your desired area, it’s really important to determine how much you can actually afford. You can do a quick search of actual multiple listings service (MLS) in your area on a number of websites including the National Association of Realtors. Your first task is to look around at the kind of houses available in the neighborhood you’re interested in. Where do you start? What’s the process like? Am I really ready to do and own this thing? Here are 5 quick points that will help you through the process of making the biggest single investment of your life. The thought of writing another check that’s not going towards your financial future is too much.

Financing for investment properties and commercial propertiesĥ Things to Consider When You’re a First-Time Homebuyer.

Down Payment Assistance loans for first-time home buyers.

Lot loans and construction loans to build a new home.

Stefanie is able to provide the following types of financing Stefanie is committed to remaining easily accessible to her clients - the most important purchase you’ll ever make is her priority as well as yours! What sets Stefanie apart from other lenders is her ability to provide you with personalized, informed mortgage planning while getting you to the closing table with as little stress as possible! Stefanie specializes in VA, USDA, FHA, and Conventional financing, and is well connected with the local real estate market and community as a whole. Stefanie’s vast industry knowledge, 17 years of mortgage experience, and top-notch customer service will ensure that your immediate and long-term financial goals are met. If Austin is your home address, Sente Mortgage is your neighbor.Purchasing a home, whether you’re a first-timer or looking to custom build your dream home, can be a daunting process without the right people in your corner. Whatever your reasons for living in Austin, and whatever type of property you’re considering, we hope you will choose Sente as your local mortgage experts. Our Austin loan officers are also knowledgeable and experienced with commercial and construction lending. Our extensive selection of loan programs includes conventional, FHA, VA, USDA, and jumbo. Our Austin loan officers will be happy to talk with you about your current needs, your financial outlook, and your long-range goals in order to find a financing program that suits you right now and in the years ahead.

Whether you are a first-time buyer, refinancing, moving up to a larger property, or downsizing to fit your lifestyle, your mortgage company and your loan officer are important allies. In fact, if you’re thinking about home ownership in Austin, the loan officers in our Austin office are ready to talk with you about making the most of your real estate investment.

Though the city’s unofficial motto is “Keep Austin Weird,” at Sente Mortgage we don’t think there’s anything weird about the decision to live, work, enjoy music, or own property here. capitol building in Washington, DC!), the University of Texas, the United States Grand Prix (America’s only Formula 1 race) at Circuit of the Americas, the venerable South by Southwest (SXSW), and more than 200 live music venues. Among our bragging rights, Austin is home to the Texas State Capitol (largest state capitol in the nation by square footage, with a dome that’s 7 feet taller than the U.S. If you’re an Austin resident, or thinking about becoming one, you probably already understand why our city was named the “best place to live” by U.S.