How To Buy A Home

How To Buy A Home Illinois Residential Mortgage Licensee
Kansas Licensed Mortgage Company
For licensing information, go to: www.nmlsconsumeraccess.org

My business thrives on referrals, so I really appreciate recommendations to people who would benefit from my help. My tenured experience in Finance, Real Estate, and Banking, coupled with my unique background in several lending industries provides the customer with Comprehensive Lending Services that can be tailored to their individual and unique needs. By working with real estate professionals an

d business owners I have the cutting edge over my competition through a complex acumen of all areas of finance. Melisa Jones
NMLS - 965518

Melisa Jones NMLSR ID 965518
New American Funding NMLS: 6606
Equal Housing Lender

A second mortgage can be a useful financial tool for some homeowners, especially if you've built up equity in your home ...
09/01/2026

A second mortgage can be a useful financial tool for some homeowners, especially if you've built up equity in your home and have a larger expense or financial goal in mind.

The important part? Making sure it actually makes sense for you.

Your goals, equity, credit, income, and existing mortgage can all play a role in determining whether this type of financing is a good fit.

www.loanswithjones.com

The purchase price isn't the only number you need to think about when buying a home. There are a few other expenses tha...
08/25/2026

The purchase price isn't the only number you need to think about when buying a home.

There are a few other expenses that can sneak up on buyers, from closing costs and moving expenses to repairs and the occasional "well, we didn't plan for THAT" moment. 😂

Save this post to prepare for what's ahead!

www.loanswithjones.com

The asking price isn't always the only thing you can negotiate when buying a home. 👀 Depending on the situation, buyers ...
08/18/2026

The asking price isn't always the only thing you can negotiate when buying a home. 👀

Depending on the situation, buyers may be able to negotiate things like the purchase price, seller concessions, repairs, the closing date, and even certain items that stay with the home.

Every transaction is different, so it's important to work with your real estate and mortgage professionals to understand what makes sense for your situation.

www.loanswithjones.com

School districts can influence buyer demand, future resale value, neighborhood appeal, and even property taxes. That's w...
08/11/2026

School districts can influence buyer demand, future resale value, neighborhood appeal, and even property taxes. That's why it's worth considering the bigger picture when choosing where to buy.

Every buyer has different priorities, and understanding how location fits into your long-term goals can help you make a more informed decision.

www.loanswithjones.com

The most successful homebuyers aren't the ones who know everything. They're the ones who stay informed, ask questions, a...
08/04/2026

The most successful homebuyers aren't the ones who know everything. They're the ones who stay informed, ask questions, and make thoughtful decisions along the way.

No matter where you are in your homeownership journey, having the right guidance can make all the difference. If you're ready to take the next step, I'm here to help.

www.loanswithjones.com

Your Loan Estimate is designed to help you understand the costs of your mortgage before you commit. If something doesn'...
07/28/2026

Your Loan Estimate is designed to help you understand the costs of your mortgage before you commit.

If something doesn't make sense, don't be afraid to ask questions. A good lender should help you understand every page before you sign anything.

www.loanswithjones.com

Buying a home comes with a lot of paperwork, but it doesn't have to feel overwhelming. 🏡 One simple way to make the mort...
07/21/2026

Buying a home comes with a lot of paperwork, but it doesn't have to feel overwhelming. 🏡

One simple way to make the mortgage process easier is to stay organized from the beginning.

Having your documents saved and easy to access can help keep things moving smoothly and make it easier to respond when your lender needs something.

A little preparation today can make a big difference when you're ready to take the next step toward homeownership.

loanswithjones.com

It's important to know that a home warranty is not the same as homeowners' insurance. While insurance typically covers d...
07/14/2026

It's important to know that a home warranty is not the same as homeowners' insurance. While insurance typically covers damage from unexpected events like fire or storms, a home warranty helps with covered everyday breakdowns.

Thinking about buying a home? Understanding the difference can help you feel more prepared and confident as a homeowner.

loanswithjones.com

One of the best ways to prepare for homeownership is to practice before you buy. This helps you: ✔️ See if the payment ...
07/07/2026

One of the best ways to prepare for homeownership is to practice before you buy.

This helps you:
✔️ See if the payment comfortably fits your budget.
✔️ Build your savings at the same time.
✔️ Feel more confident when it's time to become a homeowner.

It's a simple habit that can make a big difference before you ever get the keys.

www.loanswithjones.com

See how many points you get and check what your next step is based on your score. 🏡 4-5 points: Let's start talking 2-3...
06/30/2026

See how many points you get and check what your next step is based on your score. 🏡

4-5 points: Let's start talking
2-3 points: You're closer than you think, let's build a plan
0-1 points: Not yet, but let's figure out the path

Wherever you are in the process or whatever your score is, I can help you understand your options and guide you toward your next steps in homeownership.

www.loanswithjones.com

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