BUYER’S FIELD GUIDE

Understand the costs
around your mortgage.

Clear answers about financing costs that can affect your cash to close and the home price you qualify for.

Plan for your down payment, closing costs, prepaid expenses and reserves.

Understand what has been reviewed, what remains and what a letter means for your home search.

A practical starting point for income, asset and other documents your lender may request.

Explore lender choice, loan options and how to compare mortgage costs.

Compare VA, FHA and conventional limits, and learn how ordinary VA closing costs are treated.

Understand conventional PMI, FHA mortgage insurance premiums and the VA funding fee.

See how property taxes, dues, assessments and insurance can affect monthly housing costs and qualifying amounts.

Learn how gift funds may work across purchase programs and when a donor may send funds directly to the settlement agent.

LET’S PUT A PLAN TOGETHER

Your next move starts
with a conversation.

Email or text Sam to schedule a call. Include a convenient time and whether you prefer a phone or video meeting.