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Welcome! That's exciting. Let me walk you through our mortgage options. Do you know what price range you're looking at?

For a conventional loan, we typically require twenty percent down, which would be sixty thousand. But we also have FHA loans with as little as three and a half percent down.

Right now, our thirty-year fixed rate is around six point five percent. If you have excellent credit, you might qualify for a slightly lower rate. Would you like me to run a pre-approval for you?

With a fixed-rate mortgage, your interest rate stays the same for the entire loan term. An adjustable-rate mortgage, or ARM, starts with a lower rate that can change after an initial period, usually five or seven years.

Closing costs typically run between two to five percent of the loan amount. For a three-hundred-thousand-dollar home, that's roughly six to fifteen thousand dollars. This includes appraisal fees, title insurance, and origination fees.

Yes, we do offer a no-closing-cost option where we roll the fees into your loan, but that means a slightly higher interest rate. You can also negotiate with the seller to cover part of the closing costs — that's called a seller concession.