At Home Mortgage

08/28/2026

Buying a home involves more than just your upfront investment. There are additional expenses that come with owning a home, both at closing and over time. It is important to plan ahead. When you know what to expect, you can budget with confidence and focus on finding a home that truly fits your financial picture.

08/21/2026

Discount points mean paying more upfront for a lower interest rate over 30 years. For some homeowners, the long-term savings make sense; for others, keeping cash available for a down payment, repairs, or other priorities may be better. The right choice depends on your goals, timeline, and how long you will keep your mortgage. I can help you compare the costs and find the strategy that fits your situation. Have questions, send me a message - I'm happy to help.

08/15/2026

A common misconception is that you need perfect credit to buy a home. The reality? Different loan programs have different credit requirements, and your credit score is just one piece of the puzzle. Lenders may also consider your income, debt, employment history, down payment, and overall financial picture when evaluating your loan options. Have questions about your situation? Send me a message. I’m happy to help you understand your options.

08/09/2026

The home that feels out of reach today may only be a year of intentional planning away.

The advantage of working with a local lender is you are not just getting a loan when you are ready. You are getting someone who will help you to get ready.

08/07/2026

Thinking about changing jobs before buying a home? It may not affect your mortgage as much as you think. Lenders typically look at your overall employment history and income stability, not just how long you've been with your current employer. Have questions about your situation, send me a message, I am here to help.

08/02/2026

One undocumented deposit can create more headaches than most buyers realize.

The good news? It's one of the easiest issues to avoid—if you know what lenders are looking for before you apply.

Thinking about buying in the next 3–6 months? Let's review your bank statements now so there are no surprises later.

07/31/2026

Buying a home involves more than just your upfront investment. There are additional expenses that come with owning a home, both at closing and over time, so it’s important to plan ahead. When you know what to expect, you can budget with confidence and focus on finding a home that truly fits your financial picture. You’ll also be better prepared to handle both expected and unexpected costs without added stress. With the right planning, homeownership can become a powerful way to build long-term wealth and financial stability.

07/29/2026

07/24/2026

Even though a large down payment isn’t always required, planning ahead can still make a big difference. Setting a savings goal, automating contributions, and trimming unused expenses can help you feel more prepared and confident when it’s time to buy. Adding bonuses or tax refunds to your savings can move you even closer to homeownership.

Wondering which options fit your situation? I’m happy to help you explore what’s possible.

07/17/2026

Many buyers focus only on the loan amount and interest rate, but your total monthly housing payment often includes several additional costs. Property taxes and homeowners insurance are commonly escrowed into the payment, while some loans also require mortgage insurance. If the home is part of a homeowners association, HOA dues may factor in your monthly budget as well.

Understanding the full payment, not just the mortgage portion, can help you budget more confidently and avoid surprises during the homebuying process.