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Purchasing

Buying a home is an exciting milestone, and the mortgage process begins with choosing between purchasing and refinancing. Purchasing refers to securing a mortgage to buy a new property, while refinancing involves replacing an existing mortgage with a new one—usually to get a better rate or different terms. If you're buying a home for the first time or moving into a new one, you're in the purchasing phase of the mortgage journey.

  • Purchasing is for individuals buying a new property, unlike refinancing which is for those who already own a home.

  • A mortgage pre-approval helps determine your budget and strengthens your offer when house hunting.

  • Down payments typically range from 3% to 20% depending on the loan type and buyer qualifications.

  • Home inspections and appraisals are key steps to protect your investment and validate property value.

  • Closing involves finalizing the mortgage, signing documents, and officially taking ownership of your new home.

What Our Clients Are Saying

  • “Bill made our home purchase smooth and stress-free. He kept us informed every step of the way. We couldn’t be happier!”
    — Tony & Tina S., Noblesville, IN (Purchase)
  • “Refinancing with Bill saved us hundreds each month. The process was quick and efficient – highly recommend!”
    — Steve H., Bloomington, IN (Refinance)
  • “Brian helped us refinance our home and walked us through everything clearly. We felt confident from start to finish.”
    — Edgar & Rita G., Cape Coral, FL (Refinance)
  • “As first-time buyers, we had a lot of questions. Bill was patient, knowledgeable, and truly went above and beyond.”
    — Robert G., Ft. Wayne, IN (Purchase)

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