Hite Home Lending

12/09/2025

Whether you’re thinking about buying your first home, refinancing, or planning ahead for a 2026 move, the smartest thing you can do right now is prepare early

07/21/2025

✅ Clarifying loan options — We’ll help you understand the different types of loans

✅ Helping you budget — From estimating how much home you can afford to exploring down payment option

✅ Explaining the fine print — help you navigate complex terms like mortgage insurance, interest rates, and closing costs.

✅ Planning for the future — Whether you’re buying your first home or your forever home, I can help you plan for long-term financial goals and make sure your loan fits your needs.

Even if you’re just starting to think about buying, reaching out early can give you a head start.

07/11/2025

Ever catch yourself saying, “I don’t qualify to buy a home right now”?

Here’s the truth: most people don’t start out perfectly qualified but there are steps to take to get you there!

06/02/2025

So… what does a lender actually need from you for your pre-approval?

05/27/2025

Most people think they need a 9-5 job to qualify but if you have consistent income from retirement funds, disability benefits, SSI, a trust, or another reliable source, you could absolutely still qualify for a mortgage.

03/10/2025

Gather Your Docs!
Have these ready:
-Last 2 pay stubs
-Last 2 years of tax returns
-Bank statements (proof of down payment funds)
- ID

01/27/2025

✅ Down Payment: As little as 3% of the purchase price to get started
✅ Closing Costs: 3% (on average)
✅ Emergency Fund: Highly recommended to cover 3-6 months of mortgage payments.

01/23/2025

01/16/2025

Yes!
✅ Mortgage Points: If you paid points to lower your mortgage rate, you can deduct them the year you paid
✅ Property Taxes: Any property taxes you prepaid at closing? Those are deductible too!

01/14/2025

Yes! While escrow makes budgeting easier, some prefer paying taxes directly for more control. But heads up! This requires discipline to avoid missed payments and late fees.

Here is what is typically included:

✔️ Principal
✔️ Interest
✔️ Property Taxes
✔️ Homeowners Insurance

✨ Pro Tip: If you’re planning for homeownership, understanding these costs helps you budget better and avoid surprises. And don’t forget—property taxes can change based on your home’s value and local tax rates!

12/12/2024

Let’s get you into a new home for the holidays!