Saving for a down payment is not a good reason to put your dreams on hold.  We can help you purchase your first home or even your dream home with zero down mortgage financing.

In fact for many home buyers delaying to purchase just means you're falling behind in your purchasing power, even in today's in flux market place.

The ugly truth - if you're renting, you're buying a home - it's just not yours, it's your landlord's.

As a landlord myself, I know the power of leveraged ownership and renting a property to someone else just makes the investment that much more powerful.  My tenants make my mortgage payments for me!!  While this may seem a simplistic answer, it is tragically true for renters and wonderfully true for landlords.

Again, knowledge is power and power is financial security for you.  We can show you how you are able to afford a home sooner and you can probably afford more home - if you choose.

With a zero down mortgage, the amount of loan you can qualify for is determined by your ability to make your monthly payments rather than how large a down payment you’ve saved.  For most buyers, this means qualifying for a larger loan.

You may have saved money for a down payment, but just don’t have enough to buy your dream home. 

Additionally, tax implications come into play and do impact which option is the best option for your particular situation.  Finding the right financing isn't just about the rate, it is about the terms of the loan programs involved and other financial considerations you may not have even thought about.

It also frankly depends on what you're comfortable with as well.

As a Certified Mortgage Planning Specialist, Sam Croskell has undergone the rigorous educational requirements to earn the CMPS designation.  Sam and his TEAM can show you how important home ownership is to your near and long term financial health. 

We're pleased to assist you in determining your options in this ever changing marketplace.