Home Buyers Guide

A Mortgage Option for Everyone.

Home buying is a big deal! Whether you’re buying your first home, relocating, refinancing, or building your dream home, we are here to guide you — every step of the way! Financing is offered in FL, MD, NY, NC, PA, and SC¹.

• Conventional
• Construction/Renovation²
• Adjustable Rate Options
• Low Down Payment Options
• VA (eligible active-duty service members and veterans in NC, NY, PA, SC)
• Vacation/Second Home
• Investment Property²
• Lot Loans²
• Jumbo
  
  

Or call us at 800-677-8506. Prefer to visit us in person? Give us a call to schedule an appointment at one of our branch locations.

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Before You Buy, Do Your Homework

• Home Buying Resources - Our StraightTalk^® Home Buying Resources explains how to find and buy the best house for your needs and budget.
• Worksheet - What are your wants vs. needs in a house? Be sure to compare these lists to each home you visit!
• Worksheet - Rate the houses that you have visited. Track and compare the features/issues of each house you visit.
• Articles:
  • Purchasing a Home
  • Buying or Refinancing a Home? Tips for Finding the Right Mortgage
  • Home Buying for Empty Nesters
    • Thinking of a new home? Choosing one that fits your present and future needs
    • Buying a retirement home in a specialized community
    • Ensuring That Your Home is Accessible Long-Term
  • Deceptive Mortgage Ads: What They Say; What They Leave Out - From the Federal Trade Commission
• Calculators:
  • How much would my monthly payment be?
  • How much can I save with a 15 year mortgage?
  • Can I save money by refinancing now?
  • How quickly can I pay off my mortgage by making additional payments?
  • Does it make sense to pay points to get a lower interest rate?
  • Should I buy a home or continue to rent?
  • Should I consider consolidating my debt with a cash-out refinance?
  • How much of a loan can I qualify for?
• Videos:
  • Attorneys: Gabe and Steve Rossettie tell us why is it important to have attorney representation when buying a home and at what stage a person should get an attorney involved in the home buying process.
    
    
  • Home Inspector: Rick Bates tells us the one thing people are often surprised by during the home inspection process and how someone should look for and choose a home inspector.
    
    
  • Realtor: Michelle Costanza explains the role of a realtor throughout the home buying process and why is it important to have a good relationship with your realtor.
    
    

   

   

¹South Carolina online applications are open to properties in Horry, Georgetown, and Richland counties. For all other counties, please give us a call at 800-677-8506 or email to schedule an appointment by phone to apply.

²Not available through our online application at this time. For more information, or to apply, please give us a call at 800-677-8506 or email us today.