Financing Your HomeFinancing Made Easy

There’s no catch! We receive no financial incentive when you choose our preferred lending partners. We recommend LMC Home Loans and Members 1st Federal Credit Union because they’re trusted local experts who understand our process and consistently deliver smooth closings. That said, you’re free to work with any lender you choose. Our goal is simply to connect you with trusted professionals who will give you an effortless homebuying experience.

Pre-qualification is an initial estimate based on basic financial information you provide. Pre-approval goes deeper: your lender verifies your income, assets, credit, and employment to determine exactly how much they’ll lend you. A pre-approval letter shows that you’re a serious, qualified buyer. We highly recommend getting pre-approved before you start shopping for your new home.

Most buyers need recent pay stubs, W-2s or tax returns from the past 2 years, bank statements, and documentation of additional income sources. Your lender will also pull your credit and verify employment. Getting organized early speeds up approval. Your lender will provide a complete checklist based on your personal situation.

Closing costs typically range from 2% to 5% of your home’s purchase price and cover lender fees, title insurance, appraisal, inspections, and prepaid items like property taxes and homeowner’s insurance. The lender will provide you with a loan estimate that breaks down your specific costs.