Let Us Help You Buy Your New Home!
Purchasing a home is a very exciting time, and being well
prepared will help you make better decisions. Take this
opportunity to learn more about home buying and the mortgage
process. Below and throughout this site you will find
information that will help you with the purchase of your new home.
Am I ready to buy?
Buying a home offers many advantages, one of the most
significant being that it allows you to build equity (ownership)
when you pay your mortgage each month. A common myth is that
monthly mortgage payments are more expensive than rent. But,
in many cases, mortgage payments can be even less than rent.
When considering home ownership for the first time, you need
to decide whether buying makes financial and practical sense
for you right now or if you are better off renting. Consider
both the advantages and disadvantages to renting as well as
buying, and weigh the pros and cons for your situation.
How much house can I afford?
The first step toward finding the right home is to
quickly compute your purchasing power and determine how
much you can afford to pay each month. This saves you
time by allowing you to focus on homes in your price range.
In addition, in the planning stage, you should consider both the up-front and ongoing costs associated with purchasing a home.
Some up-front costs include:
Down payment: Typically ranges from 3-30% of
the cost of the house. The more you can put down, the
greater equity you will have in your home and the lower
your monthly payment will be. For down payments less than
20% you may also need to pay mortgage insurance.
Closing Costs: Typically range from 2-6% of the
loan amount depending on your area.
On-going Costs: Your housing costs can include the following:
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Monthly mortgage payment
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Homeowners insurance
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Mortgage Insurance
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If applicable - Flood Insurance
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If applicable - Property taxes
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Utilities
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Maintenance
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Our Happy Clients
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"Ryan worked with my wife and I for our first home and it seemed that he was a constant advocate for our interest. For first time home buyers, this was a necessity as we didn't have a lot of knowledge in this particular area and in hind-sight I can see how big of an asset he truly was for the whole process."
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"I've worked with Ryan Harding as both a Realtor and as a customer for my own home financing. He is professional and always responsive to my needs. I would recommend him to anyone looking for a home loan."
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"My experience working with Ryan was absolutely wonderful and positive in every way! As a first time home buyer I had a lot of questions and was quite inexperienced with the whole process. Ryan was very patient and extremely helpful; he was great at answering all my questions and made himself available when needed. He made what might have been a stressful situation a very positive and smooth one!"
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"On top of all the great service Ryan gave us, we had a problem near the end of the process with the seller and Ryan went above and beyond the call of duty to help us. He personally contacted the seller's agent and solved the problem for us. Ryan is truly outstanding at his job and his integrity is second to none. You will not be disappointed if you use Ryan's services."
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"Ryan was always willing to listen and kept us updated on each step as things were processing. He also worked around whatever time frame we needed with our work schedules. I would recommend Ryan in a heartbeat and we are forever grateful to Ryan for helping us get our own home sweet home."
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"Mr. Harding was a great person to work and did everything he promised to do. He followed up and made all the necessary phone calls to get the job done. He really amazed my wife and I with his proactive attitude and take care of business. When we buy a home in the future we will make sure to come back and work with Mr. Harding."
