Buy a Home

No Hassles. No Lender Fees. Just Home Loans.

We’ll save you time and money because we are the best mortgage loan officers.

We have you covered with ANY and  ALL of your home loan needs.

Buying a Home Can Be Easy and Hassle Free

Speak to a Loan Officer

Speak to our knowledgeable loan officer about your specific goals. They’ll help you decide which direction will make the most sense for YOU.

Get Pre-Approved

Get a real pre-approval so that you can shop in confidence. HomeMortgage.com has multiple lenders to choose from so that you can get the guaranteed best rate.

Close Your Loan

Close your loan and get your new keys. It really is that easy! Mortgages and home loans are much easier than they used to be. We can help!

Ready To Get Started?

Home Mortgage Loans From Online Mortgage Lenders

Buying a home is exciting — and stressful. And although homeownership has a greater payoff than renting because you’re paying to own the home instead of just live in it, it can be difficult to get started with the home-buying process.

When you work through an online mortgage broker like HomeMortgage.com, we will match you with a lender that can provide the best interest rate for your home. One of the benefits of finding your home mortgage online is that you can check with many different online mortgage lenders instead of being limited to lenders in your immediate area.

Why Buy a Home?

Renting can be simple, so what’s your motivation for finding an online home loan? While renting seems simple, you’re limited when it comes to making changes to your living space, and all the money you pay to the landlord is gone forever.

When you own your home, you’re free to make whatever changes you want or need to. Also, all the mortgage payments you make go toward your home ownership — and when you’re done, the home is yours.

For help finding home mortgage loans, fill out this form to get started. We can find lenders who offer online mortgage loans that fit within your budget and fulfill your needs.

We Are Helping People Improve Their Financial Health

Homeownership is an investment

A home is a purchase that appreciates over time. While each local market has its own unique factors, the national median home price goes up each year, even in times of recession. As you pay your mortgage each month, your debt amount goes down, while the value of your home continues to rise.

Gain control over your living space

Homeownership means you can make improvements to your home, and home improvements usually lead to increased home value, both financially and in daily home life. The power of equity can give homeowners the extra financing they need to reinvest in their homes when cash funds aren’t an option.

Use your investment to make another investment

A home equity line of credit helps homeowners use the part of their home that’s already paid off to obtain financing for investments apart from the home itself, such as purchasing a boat or RV.

Stop Moving

Homeownership increases sustainability and stability. Moving from rental to rental is a major inconvenience and a financial and emotional burden.

How much is rent actually costing you?

Consider the amount one pays over a 10-year period. A $1000/month rental payment adds up quickly to a whopping $120,000 over 10 years, when the same amount of money could have gone toward reducing 1/3 of the debt on a 30-year home mortgage by essentially making the payments to yourself instead of a landlord. Wow!

Loan Programs

The right type of mortgage for you depends on many different factors.

Conventional loans are secured by government sponsored entities such as Fannie Mae and Freddie Mac. Conventional loans can be made to purchase or refinance homes, single family to four family homes.

A loan program where your monthly principal and interest payments never change.

These loans generally begin with an interest rate that is 2-3 percent below a comparable fixed rate mortgage, and could allow you to buy a more expensive home.

In certain markets, Adjustable Rate Loans (ARMs) may offer a low introductory rate or start rate. This start rate is for a limited time. As a rule, the lower the start rate is the shorter the time before the loan makes its first adjustment.

Various types of adjustable rate mortgages.

This index is used to determine the interest rate for some types of ARMs.

This index is used to determine the interest rate for some types of ARMs.

“Interest only” products are an easy way to save money and a very popular alternative to traditional fixed rates but they are not without risk. An “Interest Only” loan can offer consumers greater purchasing power, increased cash flow and a number of other benefits which are listed later in this article.

The GPM is an alternative to the conventional adjustable rate mortgage, and has a fixed note rate and payment schedule.

In certain markets, Interest Rate Buydowns may be available. In general Buydowns this is how they work. Payments are reduced and figured on a lower interest rate over a specific term. The difference between the “real” note rate and the lowered interest rate is paid in cash by the seller or the buyer. The more common buydowns are 3-2-1 and 2-1.

A reverse mortgage is a special type of loan made to older homeowners to enable them to convert the equity in their home into cash.

Buy a home with HomeMortgage.com - Small Family Buys a Home

Time to Buy a Home and get a Mortgage in Maricopa County

Buying a home in this day and age can be a daunting task to say the least, especially if you are a first time buyer. It is exciting and a bit intimidating when you go house shopping for your first time, you may know exactly what you want or you may just have an idea, but no matter which situation you are in, you need to have the information in order to make the right financial decisions for yourself when buying a new home.

How to Buy a Home

One of the most important decisions in life you may ever have to make, but that doesn’t necessarily mean it has to be difficult. First of all, take the time to do your research on what you want, give yourself a period of time where you can look around and see what your options are.

Next, very important, take into account when buying a home what your budget is, how much you can actually afford. This decision should be made by you, the buyer, based on your current financial situation.

It is a general rule of thumb that a home buyer should not buy a house that is more than three to five times more than their annual salary. This is also true if the home buyer plans to make a 20% down payment while they have a moderate amount of other debt.

While knowing what your budget is when buying a home, you should also take into account getting a pre-approved and or prequalified for credit for your mortgage on your home. You do this by going to a mortgage banker and all they will require from you is information on your salary, savings, and any investments you currently have.

Once you have reached this step in your journey to buying a home, the next step is to find a real estate agent. These are the people who will be your partner in helping you find the right house for you. They will have information on prices, locations, property history They will help with the negotiating side of things, and also the home buying process.

At this point you will have hopefully found a real estate agent that knows your interests and is ready to start helping you on your hunt for the perfect home. It’s time to start shopping for a home and start making offers on homes that you find that fit your tastes and interests. Now there are a myriad of factors that into picking the right home. You should always make sure to do a walkthrough of the home you’re interested in. Check the lighting, the plumbing, make sure everything is structurally sound, no issues that may become a problem in the future. Also ask your real estate agent what the neighborhood is like, ask questions about the traffic, the neighbors, the previous owners, make sure there is enough room for parking especially if you have more than one car. Make sure the location is right for you, if you have kids it would be nice to know how close you are in proximity to the nearest school.

Next comes getting a home loan, which can be done through a mortgage banker, they will help you get on track and work out a payment plan that best fits your needs.

Make sure you get your home appraised, this appraisal will be done by an external source and they will make sure that you are paying a fair price for the home based on its current value. Make sure you always take great care of your home because sometime in the future your home may end up becoming worth more than when you first bought it.

As you might imagine, there is a lot of paperwork involved with buying a home, but not to worry, the lender will arrange for an external title company to be in charge of keeping all of that paperwork safe and organized for you and to also make sure that the seller of the home is the rightful owner.

And then once you have reached this point and you have found the perfect home for yourself, it is time to close the deal, sign all of the required paperwork and then you are ready to move into your new house.

How to go about getting a Mortgage

We discussed the process of how you will typically go about buying a new home. We also mentioned obtaining a mortgage throughout. The question that is frequently asking is how one goes about obtaining a mortgage.

What is a mortgage?

A mortgage is a loan from a bank or mortgage teller that helps you finance the cost of a house so you don’t have to pay the full cost of the house up front.

This is a very nifty tool when buying a home because the majority of people cannot just walk up to a real estate agent and buy a house in full.

How do you obtain a Mortgage?

The first thing you will have to do when getting mortgage is to check your credit score, there are many sources for you to go to in order to check this information. Make sure your Credit Report and all of the information contained is up to date and accurate.

Make sure your debt to income ratio is acceptable. Most lenders prefer your DTI is no more than 36%, but some will allow as high as 43% and sometimes even higher. If your DTI is too high you will not be eligible for a Mortgage.

Be sure that when buying your home that you will have enough for a down payment of at least 20%. If you can manage to save up 20% of your down payment you will be in a very good position to get a Mortgage.

Next make sure you get pre-approved and prequalified for your Mortgage. These both include having your Credit Report checked and verified as well as making sure your DTI is acceptable.

Pick a Mortgage lender and apply for your mortgage. If you have already been pre approved/ qualified then this will not be a problem. You can go to a bank, mortgage lender, credit union, mortgage broker, etc.

Once you reach this stage, just as in the home buying process, you can now close on your home, and sign all appropriate documents.

  • Phoenix
  • Glendale
  • Scottsdale
  • Mesa
  • Chandler
  • Queen Creek
  • Maricopa
  • Carefree
  • Peoria
  • Surprise
  • Sun City West
  • Litchfield Park
  • Goodyear
  • Tolleson
  • Waddell
  • Komatke
  • Guadalupe
  • Paradise Valley
  • Casa Blanca
  • Chandler Heights
  • Sun Lakes
  • Santan
  • Cave Creek

Ready To Get Started?

Mortgages Can Be Easy and Hassle Free

Speak to a Loan Officer

Speak to our knowledgeable loan officer about your specific goals. They’ll help you decide which direction will make the most sense for YOU.

Get Pre-Approved

Get a real pre-approval so that you can shop in confidence. HomeMortgage.com has multiple lenders to choose from so that you can get the guaranteed best rate.

Close Your Loan

Close your loan and get your new keys. It really is that easy! Mortgages and home loans are much easier than they used to be. We can help!