AMEC Express Program and AMEC’s Closing Guarantee

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Our AMEC Express Program combined with our Closing Guarantee will give you peace of mind knowing your loan will close and you can move into your new home as scheduled. The Express Approval focuses on the top two items that cause delays in our industry, credit and income. With the Express Approval the buyer’s credit… [Read More]

What to do BEFORE you buy a house

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Are you thinking of buying a house? Here is an important list of items to keep in mind before buying a house: • Save for a down payment • Review your credit history/improve your credit • Do not purchase any big-ticket items on credit • Get a written pre-approval Why is it important to get… [Read More]

Down payments- how to come up with one?

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Are you thinking about buying a home but aren’t sure it’s possible? FHA Loans are great loans for people looking for lower down payment requirements and flexible qualifications. They can offer you: • Low down payments • Fixed and adjustable rate options • Ability to use monetary gift for down payments and/or closing costs from… [Read More]

How much house can you afford?

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There are a lot of factors that go into how your mortgage is calculated such as how much of a down payment you have, your interest rate, and mortgage insurance. Contact us today to help find out how much house you can afford.

The Path to Home Ownership

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Your path to purchasing a new home can often times be hard to define. Let our experience and knowledge work for you! We are here for you each step of the way. Let us help you take the first step down the path to home ownership by getting pre-approved for a home loan.

Do’s and Don’ts When Buying or Refinancing a Home

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If you are ready to buy or refinance a home, here are a few things to keep in mind. DO: Maximize your credit score Avoid major purchases Before you see homes, get a pre-approval letter DON’T: Rack up credit card debt Miss payments Spend all your savings Change jobs Take out other loans Make a… [Read More]

First-time Homebuyers

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Did you know that some renters can buy a home without even realizing it? MISCONCEPTIONS • It costs more to own a home vs. renting • Not a good time to buy • You need to provide a large amount of cash for a down payment REALITY • The price to owning a home has… [Read More]

Are you ready to purchase a home?

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If you answer “YES” to these questions, you may be ready: 1. Your finances and credit score are in order 2. You plan on staying in the same area for an extended amount of time 3. You can afford your monthly payment We would be happy to talk with you to see if you’re ready… [Read More]

Building Equity in Your Home

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Owning a home gives you the opportunity to build home equity. What is home equity? Equity= how much your home is worth – how much you owe on your home If your house is paid off and you owe nothing towards it, you own 100% equity in it. How to build equity: 1. A decrease… [Read More]

What makes up your credit score?

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When purchasing a home, your credit score plays a role. So what makes up your score? •35% payment history o How often do you pay your accounts on time? o Late payments may lead to a lower score • 30% capacity o How much of your total credit have you used? o Less is more…… [Read More]