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Want your dream house to become a reality? Apply for a Mortgage Loan today.

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Buying your first home is a dream come true. However, it can also be a very lengthy and nervy process. Let us guide you to get you prepared and make that dream come true. Follow the steps below.

Decide If the Time Is Right:
How do you know if you're ready?




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Renting vs. Buying:
How much can you afford?





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Weighing the Costs and Benefits:


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Getting Pre-Approved:






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Finding the Right Home:






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Closing the Sale:







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Decide If the Time Is Right:
How do you know if you're ready? Making the leap to become a homeowner is a big decision. For some, renting may be the right choice. 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 relaible income.

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Renting vs. Buying:
How much can you afford? Depending on the amount you have saved for a down payment, your mortgage payment should typically be no more than 28% of your monthly income, and your total debt should not be more than 36%..

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Weighing the Costs and Benefits:
Home ownership brings a lot of added responsibilities and drawbacks but it also has its advantages. Monthly mortgage, Repairs & maintenance. Your home may appreciate in value over time.

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Getting Pre-Approved:
Getting pre-approved by a mortgage lender shows real estate agents and sellers that you are a serious and qualified buyer. And being "qualified" has its benefits.

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Finding the Right Home:
Once you're pre-approved, you can start looking at houses. Now is the time to contact a reputable real estate agent who can show you good homes you can afford.

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Closing the Sale:
You're ready to finalize the sale. During the closing, you'll meet with all parties involved in the sale to make it official by signing documents, receiving the deed and paying your closing costs.

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Xpress Mortgage Rates

At Xpress, We offer competitive rates for both mortgage purchase and refinancing.



Term Rate APR Down Payment Calculator Action
3-1 ARM 3.500% 4.114% 20% Calculator Apply Now
5-1 ARM 3.375% 4.014% 20% Calculator Apply Now
7-1 ARM 3.500% 4.010% 20% Calculator Apply Now
10-1 ARM 3.750% 4.084% 20% Calculator Apply Now
10-year fixed 3.250% 3.614% 20% Calculator Apply Now
15-year fixed 3.250% 3.614% 20% Calculator Apply Now
20-year fixed 4.125% 4.395% 20% Calculator Apply Now
30-year fixed 4.250% 4.454% 20% Calculator Apply Now
Term Rate APR Amount Financed Calculator Action
3-1 ARM 3.625% 4.118% 80% of property value Calculator Apply Now
5-1 ARM 3.375% 4.017% 80% of property value Calculator Apply Now
7-1 ARM 3.625% 4.030% 80% of property value Calculator Apply Now
10-1 ARM 3.875% 4.132% 80% of property value Calculator Apply Now
10-year fixed 3.250% 3.759% 80% of property value Calculator Apply Now
15-year fixed 3.375% 3.728% 80% of property value Calculator Apply Now
20-year fixed 3.875% 3.916% 80% of property value Calculator Apply Now
30-year fixed 4.375% 4.585% 80% of property value Calculator Apply Now




Your actual interest rate will depend on your own financial situation, property type, housing market and other factors.


*Notice Regarding Adjustable Rate Mortagages: Interest is fixed for a set period of time, and adjusts periodically thereafter. At the end of the fixed rate period, the interest and monthly payments may increase.