First Time Home Buyers – Mortgage & New Homeowner Guide, first time mortgage.#First #time #mortgage


Homeowner’s Guide: First Time Buyers

Purchasing a home is a big decision, especially if you are a first time buyer. The process is intimidating and lengthy. However, it can also be exciting if you feel comfortable with your decisions along the way. Preparing yourself for all of the steps involved in purchasing a home can help ease any anxiety you may have. To learn more about buying your first home, consult the tips below.

How Much Can You Afford?

When determining how much you can afford to pay for your home, you must consider your down payment amount, monthly expenses, credit rating, and income. Using this information, you can determine a comfortable price range. Until you know how much you can pay toward a mortgage each month, you can’t effectively search for a home. You must also calculate your debt-to-income ratio to ensure that you are within acceptable limits.

Consult the following links to find some helpful tools for determining affordability.

  • Annual Credit Report: Obtain a copy of your credit report.
  • The Debt Ratio: An article that explains debt-to-income ratios.
  • Mortgage Calculator: A site with multiple financial calculators to determine mortgage payments and affordability.
  • Home Buying Tips: An article to help you determine what you can afford to spend on a home.

Loan Shopping

When shopping for a loan, you must consider the interest rate and loan term. The higher the interest rate, the more money you will pay each month. Interest rates may be fixed or adjustable. Adjustable interest rates can change, while fixed interest rates remain the same. Most mortgages are either 15 years or 30 years long. A 30-year mortgage involves a lower monthly payment than a 15-year mortgage for the same amount, but the total amount paid in interest will be greater.

  • Looking for the Best Mortgage: An article about shopping for a good loan.
  • Shopping for a Loan: A page with relevant definitions and tips for loan shopping.
  • What to Know When Shopping for a Mortgage: An article that explains the steps involved in obtaining a loan.
  • Mortgage Shopping Tips: A page that explains mortgage shopping terminology and offers advice.

Home Shopping

After you know your price range, you can begin shopping for a home. To find the right home, you must consider location, appraised value, and amenities. Pay attention to the number of bedrooms and bathrooms each home has. In addition, make sure that you view several homes before making a decision. Finally, don’t forget to calculate relevant distances, such as the distance to work or the nearest store.

  • Find Your Home: Questions you should ask yourself before choosing a home.
  • Choose a Home: An article that explains the process of choosing the right home.

Making an Offer

When you make an offer on a home, you won’t typically offer the seller’s asking price. However, it’s important to make sure that your offer isn’t so low that the seller will be insulted. In many cases, the seller will issue a counter-offer that falls somewhere between your initial offer and the selling price, so keep this in mind when you make your first offer. Some sellers may be willing to include appliances if you will agree to pay a slightly higher price for the home.

  • How to Make an Offer: A page detailing the process of making an offer to purchase.
  • Tips for Homebuyers Making Lowball Offers: (PDF) An article about offering less than the selling price.

Home Inspection

A home inspection is an evaluation of a home’s systems and physical structure. Most home inspections involve an inspection of the foundation, doors, windows, ceilings, floors, walls, electrical systems, plumbing, air conditioning, and heating. Home inspection fees are often part of the closing costs when you buy a home. Some lenders won’t approve your loan until the home passes inspection.

  • Home Inspection Checklist: A checklist of items that must be examined during an inspection.
  • Home Inspections: A list of frequently asked questions about home inspection.
  • Get A Home Inspection: An article that explains why you need a home inspection.
  • Questions and Answers on Home Inspections: A page that answers common questions about home inspections.

Home Insurance

Most lenders require you to purchase home insurance, which compensates you if your home sustains certain types of damage. The cost of your insurance will depend on the age of your home, its price, and its location. Before choosing an insurance policy, obtain several different quotes and compare them. In most cases, you will make your insurance payments directly to your lender using an escrow account, so make sure that you provide the lender with your insurance information.

  • Homeowners Insurance: An in-depth explanation of home insurance.
  • Ten Things You Should Know: A list of important facts about purchasing home insurance.
  • Mortgage Escrow (PDF): An article that explains escrow accounts.

Signing the Papers

The last step in buying a home involves signing the papers. The process of signing all of the final mortgage documents is known as “closing.” At closing, you will finalize all of the details on your purchase. Both you and the seller must sign documents, and the closing costs must be paid at this time. Depending on your arrangements, you may take possession of the house immediately after closing or on a predetermined date in the future.

  • Closing Costs Explained: An article that describes closing costs.
  • Loan Closing: An article that explains the closing process.

Vinson Mortgage sued again, this time by KTVI #best #home #mortgage #rates


#vinson mortgage

#

Vinson Mortgage sued again, this time by KTVI

For Ray Vinson, March looked a bit like February as another company claimed his Vinson Mortgage Services owes it money.

On March 20, KTVI (Channel 2) filed suit in St. Louis County Circuit Court, stating the company owes $27,157 for advertising in March and April 2013.

In February, three other companies sued Vinson’s firm for a total of almost $285,000.

The KTVI suit states Vinson was kept informed of the debt through invoices and “agreed to the balance,” and includes a letter dated Aug. 23 from Ray Shawn Vinson III.

The letter states the mortgage company … “is repositioning itself in the midst of shifting market conditions within the mortgage industry. In the meantime, we appreciate your patience in the handling of our account.”

In an interview Thursday, Shawn Vinson said he does not agree that his company owes KTVI money. He countered that the station “did not perform.”

As for the letter asking for “patience in the handling of our account,” Vinson said, “It says what it says.”

Vinson Mortgage was sued by:

• Lender Transaction of Camdenton, Mo. for $164,665 for appraising and other real estate services.

• KMOV (Channel 4) for $68,175 for advertising Vinson Mortgage bought in the first half of 2013.

• Entercom Broadcasting, owner of three Kansas City radio stations, for $52,059 for advertising.

Vinson became a local celebrity with his nasally “99-99” sales spiel in commercials for American Equity Mortgage, which he owned with Deanna Daughhetee until they divorced in 2006.

Vinson then formed Vinson Mortgage Services Inc.

Corporate filings list Ray Vinson as chief executive officer and Shawn Vinson as president.

“Joe’s St. Louis” appears online Monday-Friday and in print on Saturday. Holleman’s “Life Sherpa” column appears in the Everyday section of the Sunday newspaper. On Fridays, he is a guest at 11:10 a.m. on KTRS-AM “The Big 550 .” You also can follow him on Facebook and Twitter.


Lloyds Bank – Mortgages – Mortgage Deals For First Time Buyers #home #equity #loans


#first time mortgage

#

First time buyer mortgages

5. Your interview with a mortgage adviser

Average time: 2 hours

If you are applying with someone else, make sure you are both available as this will save time. In preparation for your interview you ll need to:

  • Prepare the documents you ll need such as payslips, bank statements, details of any financial commitments or bonus, and proof of your identity
  • Bring details of the property you want to buy

At the interview your Mortgage Adviser will:

  • Complete background checks with a Credit Reference Agency
  • Talk to you about valuation schemes
  • Review your income and commitments
  • Review your needs and circumstances and recommend our most suitable mortgage for you
  • Give you an Illustration, which sets out the terms of the mortgage product and the total cost of the loan.

In Scotland sellers must provide a Home Report which includes survey, Energy Performance Certificate and Property Questionnaire.

When all this is done and if everything is ok, we ll write to make you a mortgage offer.

6. You ll need a Solicitor or Licensed Conveyancer

Average time: 2-3 months

The legal side of buying or selling a property can be carried out by either a solicitor or licensed conveyancer , for simplicity we refer to both of these as conveyancer . They will check who owns the property you want to buy, what s included in the sale, and whether there are any clauses in the property s deeds you or your lender need to be aware of. In Scotland your solicitor will also put in your offer to buy the property and negotiate for you.

You ll need to:

  • Get an estimate from them of costs, including any legal fees and tax
  • Ask your conveyancer to explain anything in your Mortgage Offer you don t understand
  • Ask your conveyancer to confirm any Stamp Duty charge payable
  • Tell your conveyancer if you have negotiated for any items such as curtains, carpets or kitchen appliances to be included in the sale
  • Make sure you read any documents your conveyancer sends you very carefully.
  • You and the seller, known as the vendor
  • Seller s estate agent
  • Your conveyancer and the seller s conveyancer
  • Your lender.

You can appoint your own conveyancer, or your mortgage adviser can help arrange this during your mortgage appointment using the Lloyds Conveyancing Service .

The Lloyds Conveyancing Service is a comparison tool that gives you quotes, covering all known legal costs, from our approved panel of over 200 conveyancing professionals. You can review the quotes and choose a conveyancer based on what matters to you – the price, the firm’s location or their service rating.

All conveyancers instructed through the Lloyds Conveyancing Service offer a ‘no completion, no legal fee’ guarantee, so you’ll have nothing to pay for the legal work done if the purchase falls through. No legal fee is payable, however if the conveyancer has made payments to third parties on your behalf, such as fees for searches, these will still be payable.

Using the Lloyds Conveyancing Service isn t a requirement of applying for a mortgage with us and inclusion of a firm on our eConveyancing panel does not constitute a recommendation or endorsement of that firm by Lloyds Bank.

7. You’re about to exchange contracts

Average time: Usually takes place in one day.

When you have read all the documents your conveyancer will ask you if you are happy to proceed with the purchase. They will then ask you to sign the contract. When everyone is ready contracts will be exchanged, usually by phone, to form a binding legal agreement to buy and sell.

You ll need to:

  • Make sure you have given your conveyancer the money they will need to pay as a deposit on exchange of contracts
  • Sign the contract sent to you by your conveyancer (In Scotland, you exchange ‘missives’ which are letters of exchange with the sellers conveyancer)
  • Give your conveyancer a date on which you wish to complete the process
  • Make sure you have buildings insurance.
  • Your conveyancer and the seller s conveyancer
  • Once you ve exchanged contracts (In Scotland concluded missives) you can start to make arrangements for moving.

8. Pick up the keys to your new home!

After exchange your conveyancer will ask you to sign the mortgage deed and the document to transfer your new home to you. They will also apply to us for the mortgage money and ask you for any balance they need to complete your purchase.

Your conveyancer will call you to confirm the legal process is complete. You can then pick up the keys to your new home.

Congratulations! You now own your first home.


PNC HOME HQ – Decide If the Time Is Right #mortgage #finance #calculator


#first time mortgage

#

To get the most of this PNC experience,
we recommend upgrading your browser.

PURCHASE

REFINANCE

HOME EQUITY LOANS

MORTGAGE RATES

HOME EQUITY RATES

MORTGAGE

HOME EQUITY

HOME EQUITY LOANS

BUY A HOME

REFINANCE

HOME EQUITY LOANS

MORTGAGE

HOME EQUITY

Get Started

Get Started

Home Equity Savings Calculator

First-Time Home Buyer’s Basics

For most of us, buying a first home is a dream come true. However, it can also be a lengthy process where potential — and sometimes very costly — pitfalls trap the unprepared buyer. This guide will help you get prepared.

Decide If the Time Is Right

How do you know if you’re ready? Making the leap from renter to homeowner is a big decision. For some, renting may be the right choice. Because the “down payment” is most often limited to first and last month deposit, renting can be viewed as cheaper and more flexible in the short-term. Monthly rent payments are also generally “all in” and usually cover all property taxes, homeowners’ association fees and maintenance costs. Plus, renting can offer flexibility should circumstances unexpectedly change.

For others, however, buying is the right move to make. They’ve reached the point where they feel confident about staying in one place for a while and are established in their jobs with a dependable income. Their debt obligations – such as car loans, student loans and credit card payments – are manageable, and they’re interested in exploring how the traditional benefits of homeownership, like favorable tax treatment* and equity appreciation, can enhance their long term financial prospects. If that sounds like you, this guide will help you assess your current situation and better prepare you for the home-buying process.

* Consult your tax advisor

The Mortgage Process

Getting a mortgage doesn’t have to be intimidating. Find out how the process works, from getting prepared to closing.

Explore


  • Trouble Making Payments?

    We have loan modification and refinancing options for homeowners who are behind in payments or facing foreclosure.

    Explore


  • NMLS Consumer Website

    A free service for consumers to confirm the mortgage lender they wish to conduct business with is authorized for their state.

    WHAT WE OFFER

    CUSTOMER SUPPORT

    FOR PARTNERS

    OTHER RESOURCES

    CONTACT US


  • Ray Vinson faces another lawsuit, this time for $165, 000 #today #mortgage #rates


    #vinson mortgage

    #

    Ray Vinson faces another lawsuit, this time for $165,000

    Just one day after a local TV station claimed in court that Ray Vinson’s mortgage company owes it about $68,000, a Missouri appraisal company said Vinson owes it about $165,000.

    On Thursday, Lender Transaction of Camdenton, Mo. filed suit in St. Louis County Circuit Court, alleging that Vinson Mortgage Services Inc. owes the firm $164,665.

    Brian McElyea. who owns Lender Transaction, said the $165,000 were charges for appraising and other real estate services his company provided Vinson from January 2012 to October 2013 — when McElyea said he quit doing business with Vinson.

    Vinson countered that he was overbilled for appraisal work that his company didn’t order.

    “I went through that with an accountant for hours on end,” Vinson said. “He owes us money.”

    Vinson, who became a local celebrity delivering his “99-99” sales spiel with a nasal twang on television and radio stations, has found himself in the middle of court proceedings before.

    In the mid-2000s, Vinson and his then-wife, Deanna Daughhetee. battled for two years in a well-publicized divorce trial. During the split, the two owned American Equity Mortgage. The divorce settlement in 2006 included payments of $16 million that Daughhetee had to make to Vinson over four years.

    After the split, Vinson formed Vinson Mortgage Services Inc. The company’s corporate filings list Vinson as the chief executive officer and only officer. His son, Ray Shawn Vinson III. who has become a prominent on-air personality in company ads, is listed as president.

    “Joe’s St. Louis” appears online Monday-Friday and in print on Saturday. Holleman’s “Life Sherpa” column appears in the Everyday section of the Sunday newspaper. On Fridays, he is a guest at 11:10 a.m. on KTRS-AM “The Big 550 .” You also can follow him on Facebook and Twitter.


    Lloyds Bank – Mortgages – Mortgage Deals For First Time Buyers #interest #calculator #mortgage


    #first time mortgage

    #

    First time buyer mortgages

    5. Your interview with a mortgage adviser

    Average time: 2 hours

    If you are applying with someone else, make sure you are both available as this will save time. In preparation for your interview you ll need to:

    • Prepare the documents you ll need such as payslips, bank statements, details of any financial commitments or bonus, and proof of your identity
    • Bring details of the property you want to buy

    At the interview your Mortgage Adviser will:

    • Complete background checks with a Credit Reference Agency
    • Talk to you about valuation schemes
    • Review your income and commitments
    • Review your needs and circumstances and recommend our most suitable mortgage for you
    • Give you an Illustration, which sets out the terms of the mortgage product and the total cost of the loan.

    In Scotland sellers must provide a Home Report which includes survey, Energy Performance Certificate and Property Questionnaire.

    When all this is done and if everything is ok, we ll write to make you a mortgage offer.

    6. You ll need a Solicitor or Licensed Conveyancer

    Average time: 2-3 months

    The legal side of buying or selling a property can be carried out by either a solicitor or licensed conveyancer , for simplicity we refer to both of these as conveyancer . They will check who owns the property you want to buy, what s included in the sale, and whether there are any clauses in the property s deeds you or your lender need to be aware of. In Scotland your solicitor will also put in your offer to buy the property and negotiate for you.

    You ll need to:

    • Get an estimate from them of costs, including any legal fees and tax
    • Ask your conveyancer to explain anything in your Mortgage Offer you don t understand
    • Ask your conveyancer to confirm any Stamp Duty charge payable
    • Tell your conveyancer if you have negotiated for any items such as curtains, carpets or kitchen appliances to be included in the sale
    • Make sure you read any documents your conveyancer sends you very carefully.
    • You and the seller, known as the vendor
    • Seller s estate agent
    • Your conveyancer and the seller s conveyancer
    • Your lender.

    You can appoint your own conveyancer, or your mortgage adviser can help arrange this during your mortgage appointment using the Lloyds Conveyancing Service .

    The Lloyds Conveyancing Service is a comparison tool that gives you quotes, covering all known legal costs, from our approved panel of over 200 conveyancing professionals. You can review the quotes and choose a conveyancer based on what matters to you – the price, the firm’s location or their service rating.

    All conveyancers instructed through the Lloyds Conveyancing Service offer a ‘no completion, no legal fee’ guarantee, so you’ll have nothing to pay for the legal work done if the purchase falls through. No legal fee is payable, however if the conveyancer has made payments to third parties on your behalf, such as fees for searches, these will still be payable.

    Using the Lloyds Conveyancing Service isn t a requirement of applying for a mortgage with us and inclusion of a firm on our eConveyancing panel does not constitute a recommendation or endorsement of that firm by Lloyds Bank.

    7. You’re about to exchange contracts

    Average time: Usually takes place in one day.

    When you have read all the documents your conveyancer will ask you if you are happy to proceed with the purchase. They will then ask you to sign the contract. When everyone is ready contracts will be exchanged, usually by phone, to form a binding legal agreement to buy and sell.

    You ll need to:

    • Make sure you have given your conveyancer the money they will need to pay as a deposit on exchange of contracts
    • Sign the contract sent to you by your conveyancer (In Scotland, you exchange ‘missives’ which are letters of exchange with the sellers conveyancer)
    • Give your conveyancer a date on which you wish to complete the process
    • Make sure you have buildings insurance.
    • Your conveyancer and the seller s conveyancer
    • Once you ve exchanged contracts (In Scotland concluded missives) you can start to make arrangements for moving.

    8. Pick up the keys to your new home!

    After exchange your conveyancer will ask you to sign the mortgage deed and the document to transfer your new home to you. They will also apply to us for the mortgage money and ask you for any balance they need to complete your purchase.

    Your conveyancer will call you to confirm the legal process is complete. You can then pick up the keys to your new home.

    Congratulations! You now own your first home.


    Mortgage Home Loans – First Time Buyer Loan – Mortgage Banker #national #mortgage


    #nova home loans

    #

    Get Pre-Qualified Today

    Don’t Wait to Get Pre-Qualified for a Loan!

    When making an offer on a home you want to have the upper hand in negotiating. Ensuring that you have been pre-qualified for maximum buying power will allow you to be confident in your ability to make an offer on your dream home. It will also show the seller that you are prepared and they do not need to worry about your ability to afford the home.

    To become pre-qualified for a loan, please fill out our online application and your Loan Officer will contact you immediately to discuss the details.

    Find out what all the “Yes!” is about!

    NOVA® Home Loans believes in the American dream of homeownership and is committed to providing an efficient, friendly customer centric loan experience to each one of our customers. We are a full service mortgage bank that has served the lending needs of our customers for more than 34 years. Whether you are looking to purchase a home or refinance the one you already own, NOVA® Home Loans is ready to help you achieve your “Yes!” moment.

    Other Links and Important Information


    Emory Law, Emory University School of Law, Atlanta, GA, emory part time mba.#Emory #part #time


    #

    Emory Law | Emory University School of Law | Atlanta, GA

    • Graduate
    • Business School
    • Graduate School
    • School of Law
    • School of Medicine
    • School of Nursing
    • School of Public Health
    • School of Theology
    • Library Tools
    • Databases
    • discoverE
    • Electronic Dissertations
    • EmoryFindingAids
    • Digital Scholarship (ECDS)
    • eJournals
    • EUCLID
    • ILLiad
    • Research Guides
    • Reserves Direct
    • Resources
    • Emergency Contacts
    • Information Technology (IT)
    • Office 365
    • Office 365 Email
    • Blackboard
    • OPUS
    • PeopleSoft Financials: Compass
    • Careers
    • Human Resources
    • Emory Alumni Association

    Emory part time mba

    Emory Law offers an outstanding legal education filled with experiential learning opportunities in the international city of Atlanta.

    Emory part time mba

    Emory Law is a top-ranked school known for exceptional scholarship, superior teaching, and demonstrated success in preparing students to practice.

    Emory part time mba

    The Emory Law School curriculum is attuned to the needs of the legal profession and the universe of careers engaged with the law.

    Emory part time mba

    We work hard to help our students feel welcome and valued for their unique skills and perspectives.

    Emory part time mba

    Our faculty are renowned for their innovative and dynamic teaching, and they are widely published in leading law reviews, books, and textbooks.

    Emory part time mba

    The Center for Professional Development Career Strategy offers unique programs and services tailored to the needs of individual students and alumni.

    Emory part time mba

    The Emory Law network includes 10,000+ accomplished alumni across the nation and around the world. Get involved today, and stay connected for life.

    Emory part time mba

    Located in Atlanta, birthplace of the civil rights movement, Emory Law offers a wide variety of opportunities to study and practice law in the public sector.

    Emory part time mba

    The Emory Law 100 commemorates notable individuals who have made extraordinary contributions to the law school and the world at large.

    Emory part time mbaEmory part time mbaEmory part time mba

    A letter to the Emory Law community

    A message from the new interim dean of Emory Law, Judson Graves 75L.

    Emory part time mbaEmory part time mbaEmory part time mba

    Read the latest edition of Emory Lawyer

    Celebrate with Emory Law in our spring issue of Lawyer as we honor our leaders, reflect upon our past, and turn toward a future of great responsibility and promise.

    Emory part time mbaEmory part time mbaEmory part time mba

    Faculty members honored with named professorships

    The Emory University Board of Trustees has approved chaired positions for the following five Emory Law faculty members.

    Emory part time mbaEmory part time mbaEmory part time mba

    Emory Law announces its Centennial 100 alumni honorees

    As Emory Law prepared to celebrate its centennial year, Centennial planners invited members of the Emory Law community to nominate candidates for special recognition as one of 100 individuals who have made extraordinary contributions to the law school and the world at large.


    Part Time MBA #femba, #fully #employed, #mba, #part #time, #part-time, #top #part #time #mba #program,


    #

    Fully Employed MBA

    THE UCLA ADVANTAGE: In addition to the world-class facilities of one of the world’s leading research institutions, FEMBAs have access to thousands of graduate-level electives.

    CAREER ADVANCEMENT: Besides enjoying the same on-campus recruiting as our full-time MBAs, FEMBA’s Career Center offers coaches, executives-in-residence and personalized training to help students identify and achieve their goals.

    LIMITLESS CONNECTIONS: The UCLA Anderson network is comprised of 36,000+ alumni/students from 100+ countries from all four MBA programs, plus the Ph.D. and MFE. Engage your peers for career advice, partnerships, or a new opportunity

    UCLA ANDERSON CLUBS: FEMBAs actively participate in Anderson s 40+ professional, identity and interest clubs, often in leadership roles.

    COLLABORATIVE CLASSROOM EXPERIENCE: FEMBA s academic and social bonds last far beyond the program s duration. Nearly all classes (core elective) place an emphasis on teamwork, which nurtures a collaborative and community-oriented culture.

    GLOBAL ACCESS: FEMBA students can participate in International Programs, allowing them to gain firsthand experience from week-long international studies and exchange programs with partner universities in 20+ countries. FEMBA students are also required to participate in GAP, during which they are paired with international, high-growth companies in a market-entry consulting project. GAP teams write investment-quality business plans and present to venture capitalists.

    FULL SOCIAL IMMERSION: Because of career-related time constraints, FEMBA students often value on-campus offerings even higher than their full-time peers. Fortunately, FEMBA is highly social, featuring classes, clubs, happy hours, parties, trips, FEMBApalooza and more to help students cultivate and nurture constructive relationships throughout the program and beyond.

    Fully Employed MBA


    Free First Time Buyer Mortgage Advice from First Mortgage #payment #calculator #mortgage


    #first time mortgage

    #

    Free First Time Buyer Mortgage Advice

    Buying your first home is an exciting time, but with so many plans to make and questions to be answered it can also be a little daunting. That’s why we, as the UK’s leading first time buyer specialist, provide a dedicated mortgage advisor who will calculate exactly how much you can borrow and what that would cost, while also explaining the whole purchasing process including likely legal, survey and other costs involved in buying. Your advisor will then search out your ‘Best In Market’ mortgage from an unbeatable whole of market choice and provide a firm in principal lending decision so you can begin looking for property with complete confidence.

    When you are ready to buy, that same expert advisor will quickly check that the original mortgage quoted remains the best in the market whilst liaising with your solicitor and surveyor to get your purchase quickly underway. Having made a successful offer for property, your advisor will then handle all the complex paperwork, again working with the lender, solicitor and surveyor throughout the purchase to ensure that buying your new home is a thoroughly stress-free experience.

    We help many thousands of happy first time buyers every year with a 98% customer satisfaction rating, all backed by a ‘Best In Market’ mortgage promise for your complete peace of mind. Additionally, as one of the UK’s largest mortgage advisors, we have been able to negotiate exclusive 90-95% First Time Buyer mortgages to help make buying your dream home a more affordable reality.

    Help to Buy, Shared Equity Exclusive Offers

    There are many attractive first time buyer mortgage schemes and exclusive offers available in the market, all designed to help the hard pressed buyer get onto the property ladder. Our mortgage advisors are expert in all of the various options available, including shared equity schemes offered by new home builders and housing associations, all of which could help you buy a much better home than you might have thought possible.

    We can also advise on the home buying schemes available to you such as Help to Buy. Mi New Home and New Buy which can allow you to buy a home with as little as a 5% deposit, whilst retaining 100% home ownership.

    Contact your local branch today and discover what our impartial advice can do for you…

    Why First Mortgage?

    • Unbeatable whole of market choice
    • 95% first time buyer mortgages
    • In principle lending decision in minutes
    • Your own dedicated mortgage advisor
    • Hassle free – we do all the paperwork
    • ‘Best in Market’ award winning advice