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The happiest homebuyers are usually the most educated ones. Here are some tools and resources to help guide you through the entire home buying process and make sure you’re always armed with knowledge.

Please contact us for rates, information and assistance. We look forward to helping you.


Please note when using the Mortgage Calculators that your actual rate, payment and costs could be higher. Get an official Loan Estimate before choosing a loan. 

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Your Home Loan Toolkit

Buying a home is an important financial decision that should be considered carefully. The Consumer Financial Protection Bureau (CFPB) is a federal agency that helps consumer finance markets work by making rules more effective, by consistently and fairly enforcing those rules, and by empowering consumers to take more control over their economic lives. The CFPB has created a Mortgage Toolkit to help you become familiar with the various stages of the home-buying process, including deciding whether you are ready to buy a home, and providing factors to consider in determining how much you can afford to spend.

This toolkit will help you become familiar with how interest rates, points, balloon payments, and prepayment penalties can affect your monthly mortgage payments. By using this toolkit as a guide you will know the most important steps you need to take to get the best mortgage for your situation, you’ll better understand your closing costs and what it takes to buy a home, and you’ll be given the tools to be a successful homeowner.

Using this toolkit as your guide will help you avoid the pitfalls and help you achieve the joys of home ownership.

Download Your Home Loan Toolkit (PDF).

Consumer Handbook on Adjustable Rate Mortgages

This document gives you an overview of Adjustable Rate Mortgages (ARMs), explains how ARMs work, and discusses some of the issues that you might face as a borrower.

It includes:

  • Ways to reduce the risks associated with ARMs.
  • Pointers about advertising and other sources of information, such as lenders and other trusted advisers.
  • A glossary of important ARM terms.
  • A worksheet that can help you ask the right questions and figure out whether an ARM is right for you. (Ask lenders to help you fill out the worksheet so you can get the information you need to compare mortgages.)

Download the Consumer Handbook on Adjustable Rate Mortgages (PDF).

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