Introducing Rosegate…garden homes for independent living. This American Senior Communities neighborhood offers several floorplans, friendly staff and independent living with planned social activities, scheduled transportation to shopping for the residents and more. ASC is also pet friendly. These maintenance-free garden … Continue reading
Are you looking for some fun Fall activities? Here are some of the local favorites to get out there and enjoy this month: Nefarious Noblesville Ghost Walk // Historic Noblesville Square, 839 Conner Street in Noblesville Reservations are required for … Continue reading
As the weather becomes cooler, it’s a good time to review the maintenance your home’s heating system. Here are some troubleshooting tips to keep you safe. If you have natural gas heating in your home, you probably know that natural gas has … Continue reading
Looking for a new home in popular Spyglass Falls? 11149 Ragsdale Place, Fishers // $249,900 This listing just hit the market. It’s a 3- or 4-bedroom home with over 3,800 square feet of space to call home. It features a … Continue reading
Data released recently by MIBOR showed that sales prices in the market remain strong, with increases of four to six percent each month. August sales prices showed a 6.7 percent increase from August 2013. The Median Sales Price increased 3.2 percent … Continue reading
Have you ever seen this house? It’s The Kincaid House, an Italianate-style historic farmhouse that sits at the corner of 106th Street and Kincaid Drive. The home was built in 1861 by the Peter Flanagan family using clay bricks made on-site. It later was … Continue reading
Looking for something fun to do this weekend? Come out to the ninth annual “Fishers Oktoberfest Saxony” event to enjoy German food, dancing, entertainment and beer garden this Saturday! Oktoberfest takes place from noon to 10 p.m. at Saxony’s Witten … Continue reading
If you are a fan of food trucks, you won’t want to miss the fourth annual Taste of the Trucks, coming to Carmel High School this Friday, September 26th from 5 to 8 p.m. This event, part of Carmel High … Continue reading
Pre-qualification is one of the smartest things you can do to help your home buying process run smoothly.
Getting pre-qualified is quick, easy and free. It gives you an estimate in advance of what loan amount you will be able to borrow and determine the loan type that’s right for you. Pre-qualification can even be done online. The lender will review your finances and estimate the amount of loan for which you may qualify. This pre-qualification is not guaranteed or considered to be any type of loan commitment…it’s simply a tool for you to know your borrowing power.
In addition, loan guarantees are offered on a variety of government sponsored mortgage programs and enable mortgage lenders to provide USDA mortgages. What is a USDA home loan? Well, this type of loan assists borrowers who would not traditionally be able to get approved. This loan means zero money down allowing financing up to 100% of the home’s value. USDA loans also provide very competitive fixed interest rates (never an adjustable rate mortgage) and affordable 30-year loan terms. This fixed rate guarantees that your monthly mortgage payments will never increase with a USDA home loan. The only fee associated the USDA rural housing program is a small, one-time funding fee.
So, all this being said, pre-qualification before you shop allows you to budget early on, and set your expectations on what you can afford…and what you might need to get out of your current home if you’re selling too. Once you create your budget and know about how much of a monthly house payment you can comfortably afford, your new home search will be more efficient. Knowing which homes are in your price range and the loan type you will need will save you time and allow your home buying expectations to be met.
If you’re in the search for a new home, I would love to help you! Contact me to get started today. I can help you not only sell your current home, but get you and your family into the home you desire! Connect with me on Facebook too!
New listing, new construction and great Noblesville location! 10098 Pepper Tree Lane, Noblesville // $294,990 This four-bedroom, 2.5 bathroom home with over 4,200 square feet features a partial unfinished basement with full bathroom rough-in, and a three-car garage in a … Continue reading