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It’s great to be your own boss! That is until you need to convince someone to give you a loan. But with a good plan and support from your loan officer, you’ll find that buying a home is one more American dream you can achieve.
If you're like many first-time buyers, saving up the chunk of money you’ll need to buy a home can be a real challenge.
First-time home buyers shouldn’t wait to get started on buying a home.
With interest rates still near all time lows, you may be thinking about refinancing your existing mortgage into a new one. As a homeowner, there are good reasons to consider this option: to get a lower interest rate, to drop private mortgage insurance, or to pull cash from your home’s equity to consolidate debt or make home improvements. The short answer, of course, is to have more money each month for groceries, car payments, and the orthodontic bill. "You may have the potential to save hundreds of dollars on your monthly payments by refinancing," said Bryan Maddex, a loan officer with our Amerifirst Charlotte, N.C., branch. "While it's not right for everyone, it doesn't cost you anything to talk to a loan officer who can review your current mortgage and let you know your options."