Gilbert Durham / The Federal Savings Bank

It can be scary to think about how much money you’ll have to put down for a house. Luckily, a loan officer can guide you through Down Payment Assistance Programs (DPA) to help you understand how much you may or may not need to bring to the table. Reach out today to learn more about these federally backed programs!

Down payment assistance requirements are based on the mortgage insurer or guarantor’s guidelines. Borrower may fund down payment and closing costs. Down Payment Assistance Program, which assist eligible homebuyers with purchasing a home. Down payment assistance programs are not eligible for all potential homebuyers.

Talk with me about pre-qualification and ease your mind from all worries. This important first step in the process will allow you to get to know your options and parameters without going through a formal loan application.

The advantages of buying may be more beneficial to you than renting, and vice versa. Where buying may offer certain tax advantages, renting makes it easier to move out. Let’s chat and go over some of the reasons for and against each option. Make the right choice for yourself today!

The day has arrived! When you finally close your property, some of the people involved are your loan officer, real estate agent, and attorneys. Connect with me to solidify your preparation for the big day!

Walking through the property you plan to purchase is important before you finally close. This will not only help you envision yourself living there but you will also see its current condition. Reach out to me today to set yourself on the path to homebuying!

There are many steps leading up to the final closing. One of them is to review your closing costs and be prepared for the balance due. Don’t be caught off guard and let's go over everything you need to know!

To bring you closer to securing your property, you must finalize a contract. This will set the terms and conditions for your home purchase before activating the full loan approval process. Let's chat and go over why this is an important step in the process so you’re prepared when the property is appraised!

Sometimes your favorite home may not be in the right condition. A home inspection is a critical step of the process which lets you know what improvements it needs or some risks that it may have. Reach out to me today to better understand home inspections and the impact they have on your timeline!

Don’t put yourself at a disadvantage! Do save your money; don’t change or quit your job. When you begin your homebuying process, this will have a huge impact. Protect yourself by jumping on a call with me to prepare you for more Do’s and Don’ts.

Don’t let credit scores intimidate you! Paying your bills on time and reducing the amount of debt you owe can go a long way in improving your credit. Let's connect so we can break down more ways that you can improve your credit score. Come out understanding the ins and outs of the process!

You probably hear all the time about having a great credit score. Did you know a higher credit score improves your chances of being approved, but a low score doesn’t mean you are completely disqualified. Reach out to me to better understand what your score means for you!

Like most things, there is a process and timeline to acquire a loan. The first step is to get preapproved and search for your desired home. Connect with me today to continue the steps that follow for financing your home!

The road to your dream home starts with one important step: getting pre-approved. Boost your credibility with sellers and show them you mean business. Contact me today and discover the many advantages that come with your pre-approval. Your dream home awaits!

Don't let financial worries hold you back from homeownership! With down payment assistance programs, you may be able to close on your dream home without spending a dime. Contact me today to discover how we can make your homebuying journey easier.

Down payment assistance requirements are based on the mortgage insurer or guarantor’s guidelines. Borrower may fund down payment and closing costs. Down Payment Assistance Program, which assist eligible homebuyers with purchasing a home. Down payment assistance programs are not eligible for all potential homebuyers.

Believe it or not, the location of your dream home can make a big difference in its demand and resale value. School districts play a major role in influencing these factors. If this is important to you, reach out today to explore your options! Let's work together to help you secure your goals for your children.

Congratulations to the newlyweds! Settling down in your dream home is an exciting milestone. Remember to think about your future goals as a couple as you search for the perfect place to call home. Start planning for your happily ever after today! Reach out to me today and let's strategize together.

Explore your possibilities today! The higher your credit score, the more mortgage rate options you'll have. Find out how it can impact your home search and financing flexibility. Reach out to me today!

Discover the world of mortgage loan options like FHA, VA, USDA, and Jumbo. Each option opens new doors in your home search and financing journey. Stay informed and make the best decisions for you. Reach out to me for expert guidance on all things mortgage!

Don't be fooled by the initial listing price of a property, it's just the tip of the iceberg! Dig deeper, find the trends, and empower yourself. Got an appetite for more knowledge? Not sure where to begin? Reach out to me today!

Rent for today, invest in tomorrow. There are advantages and disadvantages to both choices, but investing in a long-term property could benefit your situation. Building equity in your own property is one of the major perks of buying. Your future self will definitely appreciate it. Curious to learn more? Reach out to me today and explore your options!

Ready to find your dream home? Discover the key impacts of location on property prices. From taxes to school districts and zoning regulations, every factor counts. Whether you're into city living or the peaceful suburbs, I'm here to guide you on what the numbers will mean for you. Reach out to me today for expert advice in your homebuying process!

Some great news! IHDA Mortgage just raised the maximum DTI limit to 50%! Find out more about this recent update and how it can benefit you. One of the requirements for this is that all borrowers on the transaction must complete the Finally Home! Homebuyer Education Course prior to close. Don't miss out on this incredible homebuying opportunity. Reach out to me today!

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Are you aware of a Closing Disclosure yet? It's an important step in finalizing your property purchase. Check out our latest blog post to learn more about its significance!

The Federal Savings Bank is an Equal Housing Opportunity lender & member FDIC.
NMLS # 411500

What is a Closing Disclosure? | The Federal Savings Bank Closing disclosures don’t need to be complicated. Learn what to look for on your CD, learn about your timeline for signing, and more.

Making a quick decision without considering all your options can result in regret or missing out on a great deal. The key is to stay patient and not let the process overwhelm you. Need more details? Unsure about the financial side? Contact me today for guidance!

The closing process has several steps leading up to it. Most importantly, it’s when funds are transferred into an escrow account and all necessary documents are signed to transfer ownership to you as the buyer. Curious about what else happens behind the scenes? Reach out to me today to inform yourself on the closing process!

Rent for today, invest in tomorrow. There are advantages and disadvantages to both choices, but investing in a long-term property could benefit your situation. Building equity in your own property is one of the major perks of buying. Your future self will definitely appreciate it. Curious to learn more? Reach out to me today and explore your options!

Pro tip: Set a financial plan! Calculate your comfortable budget and keep future expenses in mind. Being prepared for unexpected circumstances is always a smart move when buying your first home. Hungry for more information? Unsure of where to start with the numbers? Get in touch with me today!

NMLS #148569

It's an amazing opportunity to assist you in the homebuying process. This recognition by National Mortgage News humbly highlights what we can achieve together.

To making more great milestones a reality with you this year! It’s an honor to celebrate together.

Ready for your dream vacation home? If your answer is yes, do you know the difference between a vacation home and an investment property? How about the ways the loan process may differ from the first one? Find out below!

Is This a Primary Residence, Second Home, or Investment Property? | The Federal Savings Bank Learn to understand the difference between a primary residence, second home, and an investment property when applying for a home loan.

Want a safe return on investment? Then a Certificate of Deposit (CD) is the way to go! Our current interest rates make your money work for you without lifting a finger. Don’t know where to start? Visit our Learning Center to find out more below!

How does a Certificate of Deposit work? Everything you need to know | The Federal Savings Bank How does a Certificate of Deposit work? It is a smart way to save with a bank for a specified period of time, which might yield higher interest.