Gary Summers

What is most important to you when looking for a new home? A big backyard, an open kitchen, a good school district? What about a low mortgage payment? Hometown Lenders is here to help you get the best home at the best rate.

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.

We offer great service with incredible programs. Give me call and we will work through your options together!

HomeTown Lenders has the power of a national company with the accessibility of a local branch. Choose me to work with you from beginning to end. I’m only a phone call away.

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

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.