The American Dream of Owning a Home

Hometown Mortgage makes your dreams come true.

Visit our Homebuyer's Guide for a detailed outline of the home purchasing process.

Review a Checklist of Information needed when applying for a loan. 

Look at Today's rates to find the lowest rate for you.

Are you ready to purchase your new home?  Apply online to be pre-approved for the loan you want.

Print a Home Comparison Checklist to take with you when visiting prospective homes to purchase.

Check out our Down Payment & Closing Cost Estimator.

Find out how much home you qualify for by visiting our Quick Qualifier.

View our Mortgage Payment Estimator to help you determine a mortgage payment based on an interest rates and loan amount

  Congratulations on your decision to purchase a new home!  There are many important things to consider throughout the process, especially if you're a first-time homebuyer.  Here's some information that will keep you on track.

1. Preview available homes to weed out those that are overpriced, or undesirable in some other way.
2. Present the homes that suit your needs as you've defined them.
3. Help you determine the difference between a "good buy" and a property which, because of its nature (neighborhood, market appeal, etc.), might have to be discounted if you decide to sell in the future.
4. Negotiate the best deal for you. With a Pre-Qualification letter from Hometown Mortgage in hand, your Real Estate Agent will be able to demonstrate that you are a qualified and capable borrower. This will strongly influence the Seller, and may make the difference between the Seller accepting your offer or someone else's -- even if your offer is lower!

1. Assist you in selecting the best loan to meet your personal situation and goals. (This single decision can save you thousands of dollars throughout the years!)
2. Keep you informed of your loan status throughout the entire process.
3. Keep your Real Estate Agent informed of our loan progress (Note: your personal information is always kept confidential between you and Hometown Mortgage; only deal points and progress are shared).
4. Get the appropriate loan for you at the best rates and fees. This will save you significant money "up front" and throughout the years to come.
5. Setup and deliver a convenient hassle free on-time closing.

1. Keep your Real Estate Agent informed of any questions or concerns as they develop.
2. Keep the process moving by providing documentation and decisions as soon as reasonably possible. By doing so, many of the details are taken care of early in the process so you can comfortably concentrate on any last-minute details or events that require your attention.
3. Enjoy purchasing your home, but do remain objective throughout -- to make the business decisions that are best for you.
4. Make sure you are pre-approved as early as possible. This will put the power of financing behind you so you can concentrate on selecting your home.