Cherie Bowen

Want to know if you can afford for a home? Check out this link to get a rough idea on how much you can afford. https://www.daveramsey.com/blog/how-much-house-can-i-afford

Ever wonder what you need when you meet with a Loan Officer. Always remember the rule of 222. 2 - pay stubs 2 - years taxes 2 - months bank statements This is all you need to get started. Not too overwhelming at all, right?

Why you can trust us to help you!

New Year’s goal in 2021 can start by owning your own home! We can help you make that resolution happen. Call today and we can start the process of home ownership!

A NEW YEAR with NEW POSSIBILITES!!!

We have a great team to get you in the door. Did you know you can meet with any one of our Loan Officers, at no cost to you? Get pre-approved and start hunting for your dream home. Click the link in our profile and set up an appointment today!

Merry Christmas!

Wishing you a safe celebration!

Find joy in your holiday traditions.

What is a USDA loan? Take a closer look at the link below to see what this specific loan has to offer. https://htlenders.com/pages/usda

Your credit impacts your home purchase. It’s good to know your debt to income ratio. DTI divides the total monthly debt payments by the gross monthly income, which will give you a percentage. This percentage gives you and lenders a better idea of what you can afford!

Don’t forget about the closing costs of a home. Take a look at what closing costs are made up of in the link below. https://www.daveramsey.com/blog/what-are-closing-costs

Your mortgage is essentially made up of 4 things: Principal/interest, property tax, homeowner’s insurance, and mortgage insurance. Most online Mortgage Calculators do not factor in some of these items when estimating a payment. Call me today so we can look at the possible breakdown of your mortgage payment together.

Make a list of your monthly budget. See where you can cut back and start paying off your debt. This will be a great starting point to know your monthly price range when you start looking for your new home. We are here to help, call anytime!

What is a VA loan? Take a closer look at the link below to see what this specific loan has to offer. https://htlenders.com/pages/va

We can make your dream home a reality! There are many programs available, whether it’s a First Time Homebuyer, a Down Payment assistance, or a VA Loan. You may be closer than you think. Give me a call today so we can find the best loan for you.

A few simple tips that can help prepare you to qualify for that perfect loan.

We may have the perfect loan program to get you the keys to your dream home. Contact me today!

If you are looking to refinance, give me a call. There are great options for you right now! https://www.nerdwallet.com//mortgages/how-to-refinance-you

Apply Online to get pre-qualified today! Head over to this website and click on pre-qualified. It’s free and only takes minutes to complete. Feel free to tag your friends and share with someone looking to buy a home. @htlenders.com

HomeTown Lenders is a locally based branch that is committed to serving our community. We put People before Profits. Our hometown way of doing business is to make sure our customer receives the highest level of personalized, customer service throughout the entire mortgage loan process.

Knowing where to begin can be the hardest part in preparing to buy a home. Give me a call and I will answer the tough questions to get you ready to buy your dream home.