Buying a home is easier than you might think. We help you get there and prepare you for each step of the process.
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A mortgage is a loan by a bank or mortgage lender that helps you purchase a house. The type of mortgage varies depending on your financial situation. Some of the popular types of mortgage loans include:
Mortgage insurance is a policy that protects a lender if a borrower defaults in their financial obligation. If your down payment is less than 20 percent of the sale price, your lender will require that you carry mortgage insurance, which is included in the price of your monthly mortgage payment.
An FHA loan is a home loan backed by the Federal Housing Authority or through the Federal Housing Administration and administered by government-approved lenders.
It not restricted to first-time homebuyers. One of the requirements for an FHA loan is that the intending property must be owner-occupied; that is, you must be moving into the property within 60-90 days of the purchase.
According to 28/36 percent rule, you should only spend 28% of your gross monthly income on your housing expenses such as HOA fees, mortgage payments, property tax, and insurance premiums.
However, you shouldn’t spend more than 36% of your gross monthly income on your debts. Your debts may include student loans, credit card debts, and car loans.
You can find out your home affordability amount using the Zillow Home Affordability Calculator.
We do our best to cover the home buying process from start to finish.
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