OUR SERVICES
Let’s talk about you
I like to get to know what YOU need
First things first, what are you comfortable paying every month? I know that I don’t want to worry about paying for my house, so why should you?
What is your timeline?
The housing market is crazy and changes like the weather, it goes from boom to bust, buyers to sellers and everything in between. Once we get moving, we can try to tailor your schedule so you can get packed, prepare the kids and not lose your mind one week before closing.
What type of home do you want?
I know realtors, lots of them. They all have different strengths and can find gems that others don’t quite see. Once we decide where we are going, we can look for other members of the crew.
Documents…..
Yes, this is going to be stressful, I will not lie. That is why I am here to get things organized and be your advocate. But! If you have a blueprint of what is needed, that is half the battle. I’ll send you detailed lists of the documents we need to get started. Once you get those going, I have a designated processing team and they will leap into action. It happens fast, we can get a closing in 14 days if the conditions are right. Are you ready?
AS UNIQUE AS YOU
An FHA 203K loan is a loan backed by the federal government and given to buyers who want to buy a damaged or older home and do repairs on it. Here’s how it works: Let’s say you want to buy a home that needs a brand-new bathroom and kitchen. An FHA 203K lender would then give you the money to buy (or refinance) the house plus the money to do the necessary renovations to the kitchen and bathroom.
We’re here to make the 203K home loan process a whole lot easier, with tools and expertise that will help guide you along the way.
We’ll help you clearly see differences between loan programs, allowing you to choose the right one for you whether you’re a first-time home buyer or a seasoned investor.
The United States Department of Agriculture (USDA) gives out a variety of loans to help low- or moderate-income people buy, repair or renovate a home in a rural area. Some of the popular types of loans are: the single family direct homeownership loan, the single family guaranteed homeownership loan, the rural repair and rehabilitation loan or grant and the mutual self-help loan. This guide will help you figure out what these loans are and whether you qualify.
Though the terms and details of these loans differ, all offer very low effective interest rates (some are as low as 1 percent) and don’t require a cash down payment. To qualify, you need to have a decent credit history.
We’re here to make the USDA home loan process a whole lot easier, with tools and expertise that will help guide you along the way.
We’ll help you clearly see differences between loan programs, allowing you to choose the right one for you whether you’re a first-time home buyer or a seasoned investor.
Our VA Loan Rates Are Low & Our Process is Quick & Painless
A VA home loan is a mortgage loan in the United States guaranteed by the US Department of Veterans Affairs (VA). The loan may be issued by qualified lenders. The VA loan was designed to offer long-term financing to eligible American veterans or their surviving spouses (provided they do not remarry).
Allow CMS Mortgage to offer you the best VA loan rates. We're here to make the VA home loan process a whole lot easier, with tools and expertise that will help guide you along the way.
We'll help you see the differences between loan programs allowing you to choose the right one for you, whether you're a first-time homebuyer or a seasoned investor
“You leave home to seek your fortune and, when you get it, you go home and share it with your family.”
— Anita Baker
If you have been contemplating whether to purchase a home or continue renting, here are a few compelling reasons to consider making the leap into homeownership:
Investment in Appreciating Asset: Unlike renting, buying a home allows you to invest in an appreciating asset. Over time, the value of your home is likely to increase, offering the potential for financial gains when you decide to sell or refinance.
Building Equity: Every mortgage payment you make contributes to building equity in your home. Rather than paying a landlord's mortgage, you gradually increase your ownership stake, allowing you to tap into this equity for future needs, such as education expenses or retirement.
Stability and Control: Owning a home provides a sense of stability and control over your living environment. You have the freedom to personalize and modify your space to suit your preferences. With a fixed-rate mortgage, your monthly payments stay consistent, avoiding rental increases that can occur annually.
Tax Benefits: Homeownership can offer significant tax benefits, such as deductible mortgage interest, property tax deductions, and potential capital gains exemptions when selling. Consult with a tax professional to understand how these benefits apply to your specific situation.
Sense of Community: Buying a home often means putting down roots in a neighborhood, fostering a stronger sense of community. You'll have the opportunity to build relationships, participate in local events, and become an active member of your community, creating a more fulfilling living experience.
Long-term Savings: While buying a home may require a higher upfront investment, it can ultimately lead to long-term savings. As you pay down your mortgage, the amount of interest you pay decreases, increasing the portion of your payment that goes towards principal. This can translate into substantial savings over the life of your loan.
Potential Rental Income: If you decide to move or have extra space, homeownership allows you to generate rental income by leasing part or all of your property. This additional income can help cover your mortgage and may even contribute to building wealth by having tenants pay off your mortgage for you.
Remember, the decision to buy a home is a personal one, and there are various factors to consider, including financial readiness, personal goals, and lifestyle preferences. It's always advisable to consult with mortgage professionals and real estate agents to explore your options and determine the best path for your unique circumstances.
