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Home Loan

Studies show that, on average, homeowners are worth more and have a greater degree of financial security than renters. This is due in large part to home equity; with every mortgage payment you make, the amount of home that you own grows, whereas rent money goes directly into the pocket of landlord, helping him to build equity in his own properties. Most people know that buying a home is a smart financial decision, but they aren't sure where to begin. At Downs Financial, we can give you all the information you need to help you understand more about how home loans work, and our convenient loan application process makes it easy to start on the road to home ownership.

Securing a Home Loan Is Easier than You Think!
Owning your own home may not be as far out of reach as you think. Keep in mind that almost every house that is sold has been purchased with a loan; very few people are able to purchase a home with cash. Because home loans are so prevalent there are many different types available to meet the needs of different types of home buyers. Whatever your situation, there's certain to be a home loan available that's right for you.

Before you apply for a mortgage, it's helpful to have some idea of what you need or can afford. The Downs Financial website offers a convenient mortgage calculator that will allow you to determine a number of different things, including how much of a loan you can afford and what your monthly payments will be based on a certain principal amount or interest rate. Once you have an idea of the right loan amount for you, you can begin our easy application process.

The type of mortgage that you are offered will be based on several different factors, including your income, debt load, and credit score. Downs Financial works with people with all types of credit, so don't be discouraged if yours is less than perfect. We pledge to treat all our applicants fairly, and to offer them the best possible rates and terms for their situation. If you think it's time you stopped paying rent, apply with us today. Chances are, you'll be pleasantly surprised and on your way to home ownership before you know it!


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