Homeownership is the American Dream, and may be the biggest investment that most people ever make. It stands for security, comfort and wealth. The sense of community that comes with putting down roots in a place of your own, the security of owning the roof over your head, and the opportunity for financial growth - all of these are reasons why we want to own our own home.

Along with the rewards of homeownership come the benefits that are not available to renters like:

Wealth Building - Making a mortgage payment every month builds equity in your home. As your home appreciates in value it is a direct contributor to your long-term wealth and financial foundation.

Reduces your Tax Burden - The interest and property taxes you pay each year on your home are still two of the best tax deductions. (Always consult your tax preparer about the deductibility of interest.)

Eliminates Your Landlord - As a renter, you are building wealth for your landlord. Money you pay as rent is wasted each month. You will no longer have to worry about lease renewals, moving and rent increases. You’ll be earning the equity rather than your landlord.

House of your own - You will be free to paint, decorate and remodel as you wish. A home is a great place to live and raise a family.

This online guide is here to help you learn about the home buying process, so you can make informed decisions every step of the way. You don't have to do it alone. Whether you decide to use our online tools or rely on your Mortgage Advisor, we are here to help. The more educated you are about buying a home, the better experience it will be.

Determine How Much You Can Afford (Pre-Qualification/Pre-Approval)

It is important to see or talk to your Mortgage Advisor first before house hunting. The first thing you want to do is get "Pre-qualified" for a mortgage loan. The Mortgage Advisor takes your income, asset and debt information from you and determines your buying power. It's quick, easy, and we keep the paperwork to a minimum.