You deserve someone who you can trust while you’re making one of the biggest decisions in your life.  From the second you reach out to us, until you can call that new home yours, our consultants will be there for you, throughout the entire home-buying process.

We will help you construct a home loan by considering the following:

  • A comfortable and acceptable monthly payment that suits your budget
  • How much of a down payment is needed
  • How long you’re planning to own the home
  • If you expect any changes in your income over the next 10 years
  • Your debt/income ratio and what you can truly afford

“I had a great experience with Low Rate Mortgage from start to finish.”

Phil Martinez

From there, we will look at your financial profile, which includes your job and income history, past spending and saving habits, use of consumer debt, progress made toward saving for retirement and your anticipated future expenses.

Whether you are a financial risk-taker or more conservative with your money, we will work with you to figure out if the home you’ve been looking at is feasibly affordable. When it comes to buying a home and applying for a loan, it all boils down to what you can afford and are comfortable paying.

We’ll even see if a loan in which you won’t be paying any closing fees would be more beneficial.

Call to talk with one of our agents today and we will help on your first step to owning the home of your dreams.

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