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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? 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.
learn more
↓
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%..
learn more
↓
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.
learn more
↓
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.
learn more
↓
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.
learn more
↓
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.
learn more
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.
learn more
↓
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%..
learn more
↓
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.
learn more
↓
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.
learn more
↓
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.
learn more
↓
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.
learn more
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.