Mortgage Guide

Thinking about buying a home? Let’s walk through the mortgage process together—step by step.

First, what’s a mortgage? It’s basically a loan that helps you buy a home, and you pay it back every month with interest.

There are a few types of home loans you should know about.

Fixed-rate loans have the same interest rate the whole way through, so your monthly payments stay nice and steady.

Then there are adjustable-rate loans, which start off with a lower rate, but that rate can change over time—up or down—depending on the market.

If you’re a first-time buyer, there are special programs that can help. They often come with lower down payments or more flexible terms to make getting started a little easier.

And yes — a bigger down payment usually means better loan terms, like lower interest rates or smaller monthly payments.

To get started, you’ll want to get pre-approved.

That means gathering things like proof of income and your credit history.

And work with a lender who takes time to explain everything—no jargon, just clear answers.

Smart tips? Compare rates, boost your credit, and avoid big purchases during the process.

With the right knowledge, financing your dream home gets a lot easier. Let’s make it happen!