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If you want to buy a home today, you usually start by saving money for a down payment. Once you have the money saved that you’ll need for a down payment, you then begin to look for a home you wish to purchase. Once you find the home you wish to purchase, you contact a…
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In essence, a conventional mortgage is a home loan that is not guaranteed or insured by a government agency, like the Federal Housing Administration (FHA), the U.S. Department of Veterans Affairs (VA), or the USDA Rural Housing Service. Here at Patriot Home Mortgage, we’re happy to talk with you about all of your mortgage options,…
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Purchasing a home can be an exciting time. It can also be an experience that leaves you feeling overwhelmed with questions and uncertainty. This is particularly true if it is your first time buying a home. One of the first hurdles you will need to overcome in the home buying process is determining what financing…
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When your credit score is less than ideal, it can feel like you are fighting a losing battle. This is magnified when you are on the hunt for a conventional mortgage. For those who are tired of paying rent every month without building any equity, any obstacle between them and homeownership can feel insurmountable. If…
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At Patriot Home Mortgage, our goal is to provide our clients with the best in home mortgage solutions. In order to do that, we want our clients to be well informed as to the many options which are available to them when purchasing a home. Conventional mortgages may be the solution for many, but that…
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FHA mortgages are incredibly popular among first-time home buyers. FHA home loans require very little down and can be acquired even with credit scores below 600. This makes FHA loans the natural first choice of many new home buyers. However, you may be surprised to learn that conventional loans have many benefits over FHA loans,…
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There are so many reasons to choose a conventional mortgage. Often, when people start the homebuying process for the first time, they automatically assume that an FHA loan is the right option for their needs. However, conventional loans are a better option than many people might think, and there are many reasons why a conventional…
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There’s nothing that makes people sit up and take notice like learning how exclusive something is. Is there an invitation-only country club in your area? Think about how many people you know that don’t like golfing but still want to be members. The same idea applies in so many other areas. The trick is to…
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When you decide to buy a new TV, there are probably a couple of questions you ask yourself before diving into the purchase. Those questions probably include things like: Can I afford it and still be able to pay the bills? Which model will provide all the qualities I’m looking for? Is it a good…
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Buying a new home can be — and should be — an exciting time in your life, whether this is your first home or your fifth or even your fifteenth. Of course, if you don’t have an idea of how you’ll finance a new home before you start looking, the home buying process will be…
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