HOME LOANS, MADE PERSONALStart with a payment you can live with.
Include principal, interest, property taxes, homeowners insurance, mortgage insurance where required, and HOA dues. Leave room for maintenance and the rest of your life.
AHL HOME / BUY A HOME
BUY A HOME
Make your next address part of a better plan.
A first home or a fresh start: begin with a budget that leaves room for your life. Walk through the costs, the paperwork, and the decisions ahead.
YOUR BUYING PLAN
One decision
at a time.
Get comfortable with the costs before getting attached to a payment.
Try a paymentBuild your cash-to-close picture.
A down payment is one piece. Closing costs, prepaid items, escrow deposits and reserves may also matter. Ask which funds are needed and how their source must be documented.
Understand what preapproval means.
Preapproval generally involves a review of your information. It is conditional, can expire, and is not a final loan approval. Changes in income, credit or the property can affect the outcome.
Compare before you commit.
Review comparable written Loan Estimates. Look at the same loan amount, product, term and rate-lock assumptions, plus points, lender credits and total costs.
YOUR NEXT CHAPTER. YOUR PACE.
Make the next step
a useful one.
You bring the reason.
Start shaping the plan.
