Finances can be nerve-wracking, but don’t be afraid to talk with a lender.

The No. 1 concern that I hear from homebuyers is nervousness about connecting with a lender and seeing what they qualify for. I understand that going over finances can be nerve-wracking. Maybe you're not where you want to be, so it's a little embarrassing. However, talking to a lender shouldn't feel like going to the principal's office. A good lender can make the home-buying experience much better.

If you're someone who watches the news, you're maybe worried about the economy. It's important to find a lender that can create affordability for you in this climate. Find a lender who's a great educator and can answer your questions about the financial world in a way that you understand. 

“Talking to a lender shouldn't feel like going to the principal's office.”

Here are two questions you should ask any lender that you're considering:

1. What is the best type of mortgage for me and my family? That should open the conversation to the different kinds of mortgages and the financial pros and cons of each for you. 

2. If I can't afford the 20% down payment, are there down payment assistance programs that are worth considering? Once clients connect with a lender, they’re often surprised at what they qualify for, especially if they thought they didn’t have enough saved up.

Ask your lender for help and advice on what steps you need to take next to get where you want to be. If you would like a list of our recommended lenders, reach out to us by phone or email. We’re happy to provide that and partner with you in your home-buying process.