#Sente mortgage yourmortgageonline professional

And, of course, there are closing costs as the borrower as well. And in addition to the down payment on your current home, don’t forget you’ll have to pre-pay insurance and taxes for the year. Selling your home may incur commission costs, marketing costs, and some seller closing costs, depending on the circumstances. Be aware of the costs of selling and buying. But hopefully you’ve been in your house long enough to have equity that can be used in the purchase of your new home. Most of us to don’t own our houses completely when we turn our attention to an upgrade. Determine how much of your current home you actually own.

In addition, there have been some changes in the process since you bought your last home - we’ll highlight those here.ġ. Well, consider this a refresher course for your very specific set of needs. Rather, it was just a blur of people, paperwork and hand cramps from signing your name and initialing the corner of documents for so long. If you’re like most people, you don’t have a photogenic memory of what the experience was like. Some years ago, you bought your first home. But by following these tips, you will soon discover and enjoy the comfort that a home provides.ĥ Things to Consider if You’re Buying A New Home for the First Time In While The financial and emotional investments involved with purchasing a home are a challenge. Becoming prequalified for a home loan positions you to make a smart decision over an emotional one.īuying a home is a daunting decision. It’s not nearly as much fun as looking at houses. Homeowners are often afraid to become prequalified for a loan. In some areas, the amount you pay for taxes and insurance escrow can almost double your mortgage payment. It’s important to check out the costs of property insurance, taxes, homeowners association, and maintenance dues in your desired neighborhood. Of course, your mortgage won’t be your only financial responsibility. Here are a few sources where you can get a glimpse of your credit score. While there are no strategies to immediately improve your credit score, you are able to correct it by identifying its shortfalls, all in time to make a meaningful impact on your home purchase.

Having the best credit score possible is advantageous when purchasing your home loan. Just enter in how much you can comfortably afford each month for a mortgage payment to get a glimpse of what your monthly payments would be if you bought today. You can do this using our mortgage calculator. You may also get in touch with us as we have plenty of mortgage bankers that are willing to help.Īfter you get an idea of housing costs in your desired area, it’s really important to determine how much you can actually afford. You can do a quick search of actual multiple listings service (MLS) in your area on a number of websites including the National Association of Realtors. Your first task is to look around at the kind of houses available in the neighborhood you’re interested in. Where do you start? What’s the process like? Am I really ready to do and own this thing? Here are 5 quick points that will help you through the process of making the biggest single investment of your life. The thought of writing another check that’s not going towards your financial future is too much.

She also enjoys running, golfing, attending UT football games, and spending time with her husband at their condo in Port A.ĥ Things to Consider When You’re a First-Time Homebuyer.

Kristin enjoys spending time with her family, expressing her proudest moments as the births of her four grandchildren, Michael, Dean, Sutton, and Parker.

#Sente mortgage yourmortgageonline professional

She has won numerous awards for her outstanding accomplishments in the mortgage industry including the Five Star Mortgage Professional and the 2017 Sente Top Producer Award just to name a few.Kristin has been in mortgage lending for over three decades and was the President of the Austin Mortgage Bankers Association in 1989.Kristin is a long-time resident of the Austin area, and she also attended the University of Texas at Austin.The Carroll Team understands that to be successful as a mortgage lender you have to consistently exceed customers’ expectations. Kristin joined the Milestone Mortgage team that ultimately founded Sente in 2000.

Kristin Carroll is the founder and lead mortgage banker for The Carroll Team.