Portage, Valparaiso and NW Indiana Mortgage Company

Speedblogging Golden Technologies Style

2010-11-24T10:37:00.000-08:00

We were all challenged a while back to speed blog by Golden Technologies evangelists Nate Finn and Kristen Page. Well I dropped the ball and didn't do it.

Today, in full and rare form, 29 blog posts in less than an hour. I'm flying and getting tired and frankly bored with listening to myself type. Why speed blog?

Well frankly, the art of speaking into your computer, letting your thoughts freeflow ... is the eventual art of getting SEO right. Creating content, readable and interesting, take times and energy and practice. This is just one of those practices.

By linking all my posts together, I can find them better, and so can you if you're so inclined. Next Exit - the original Daltonsbriefs site, the first ever blog I wrote.

Indiana election primary

2010-05-04T11:10:00.001-07:00

Predictions Please

This is an open thread, and will be updated both here and with links from #nwielect on twitter from now till Wednesday morning.

Please put in the comments your predictions for all the races you care about. We'll try to keep a running compilation and keep linking back to the above mentioned thought stream. Think you're so smart ... then let's see your predictions front and center right here for all to analyze.

I'll be glad to start them off:
US Senate Coats, US Rep Pastore, House 19 Klein, Porter Council 1 Tracy, Porter Assessor Snyder, Porter Auditor Kopp, Portage Trustee Jent, Porter Council Rivas ...

(Open Thread will be updated from comments every couple hours)

Northwest Indiana Mortgages - FHA VA and Conventional loans: Jobless Claims today

2010-03-25T06:21:00.000-07:00

Northwest Indiana Mortgages - FHA VA and Conventional loans: Jobless Claims today

Northwest Indiana Mortgages - FHA VA and Conventional loans: Northwest Indiana Mortgages today

2010-03-15T06:32:00.000-07:00

Northwest Indiana Mortgages - FHA VA and Conventional loans: Northwest Indiana Mortgages today

Daily mortgage market update

Is HVCC helping consumers?

2010-03-09T06:38:00.001-08:00

Of course the best and quickest answer is "NO"
Consumers are getting duped by big banks who own the Appraisal Management companies and are using the force of a terrible law to frisk home sellers of billions in equity.

Places to find us online

2010-01-23T08:16:00.000-08:00

Often I get the question, where can I find you online? So today the answer in an easy to follow list:

First Financial Trust Mortgage on Twitter
Steve Dalton - Daltonsbriefs - my most active twitter profile
Northwest Indiana Mortgages Facebook Fan Page
Northwest Indiana Real Estate and Mortgage Blog ... one of my oldest blogs, featuring breaking news on rates and economic activity that affect mortgages and real estate in the region.

Where else do you frequent? We probably have a profile there too and can put the link up here.

As always email me if that's your chosen method of communication. Email Me

Northwest Indiana real estate surging

2009-11-27T06:54:00.000-08:00

NWI home sales have breakout month

More homes sold for higher prices

A sign shows a home for sale in Portage earlier this year. Existing single-family home sales were up 11.6 percent during the month, with 740 sold in the five counties of Lake, Porter, LaPorte, Jasper and Newton, according to the Greater Northwest Indiana Association of Realtors. (Photograph by John L. Hendricks/Times File Photo.)

Buyers powered home sales to some of their best gains of the year in October in Northwest Indiana, driven by the first-time homebuyer tax credit and historically low interest rates.

Existing single-family home sales were up 11.6 percent during the month, with 740 sold in the five counties of Lake, Porter, LaPorte, Jasper and Newton, according to the Greater Northwest Indiana Association of Realtors. And the median sales price of $130,000 marked a 4.1 percent increase over the median price at this time last year.

“The last three months, everything has been up—and substantially up,” said Bill McCabe, owner of Century 21 Executive Realty, in Schererville.

In June, year-over-year home sales showed their first increase of the year, with 1.4 percent more homes sold than in June of 2008. But that was one of the only months to see a year-over-year increase.

The first-time homebuyer tax credit has been a big factor in the current surge and will continue to drive home sales into spring, McCabe said.

NWI home sales zip upward

Lake County existing single-family home sales

October 2009: 440

October 2008: 393

Change: up 12 percent

Porter County existing single-family home sales

October 2009: 159

October 2008: 128

Change: up 24.2 percent

Source: Greater Northwest Indiana Association of Realtors

The credit was slated to expire at the end of this month, but the U.S. Congress extended it into spring and has also added a tax credit for existing homeowners buying a new home.

The inventory of unsold homes in Northwest Indiana has been shrinking in the past few months, which should stem price declines and keep prices stable into the foreseeable future.

The inventory of homes for sale has dropped to under a 10-month supply in both Lake and Porter counties, after going as high as 12 months in Lake County and almost 14 months in Porter County in May, McCabe said.

National home sales also surged upward in October, reaching their highest level since February 2007, according to the National Association of Realtors.

Existing single-family home sales were up 9.7 percent to a seasonally adjusted annual rate of 5.33 million in October from a pace of 4.86 million the month before, according to the National Association of Realtors. The October sales were 21.4 percent above sales one year ago.

“Many buyers have been rushing to beat the deadline for the first-time buyer tax credit that was scheduled to expire at the end of this month, and similarly robust sales may be occurring in November,” said National Association of Realtors chief economist Lawrence Yun.

Home sales are expected to decline in December and early next year before rebounding in spring and early summer, Yun said.

Locally, the surge in home sales was strong in Porter County, where 159 homes were sold in October for a 24.2 percent increase over sales at the same time last year, according to the Greater Northwest Indiana Association of Realtors. The median selling price of $167,000 was 3.2 percent higher than the median at the same time last year.

In Lake County, 440 homes were sold in October, representing a 12 percent increase over sales last year. The median selling price was $127,000, representing a 10.6 percent increase as compared to last year.

We'd love to help you with your mortgage loan: Email Mortgage Banker Steve Dalton - Northwest Indiana Specialist or call 219-762-7200 and ask for Steve

Our Northwest Indiana Mortgage Blog

NWI Quotes

2009-11-20T10:27:00.000-08:00

NWI Quotes: "You can now complete the auto form by clicking the large button on top for a free quote. Thank you for your patience."

I know they were waiting quite a while, but now you can get a direct quote from a local Northwest Indiana insurance professional within hours.

Mortgage rates will go up this afternoon

2009-11-04T09:33:00.000-08:00

From MarketWatch - call today to lock your rate 219-762-7200

NEW YORK (MarketWatch) -- Some bond investors are expecting mortgage rates to rise as the Federal Reserve finishes its planned purchases of nearly $1.5 trillion in mortgage-related bonds, yet another risk to the fragile U.S. recovery.

The central bank may address its plans to unwind this program, one of its biggest of forays into the private credit markets over the past year, in Wednesday's policy statement. Read more on the Fed.

"Once we don't have the largest incremental buyer of mortgages, who will step up to take that role?" asked Todd White, a bond portfolio manager at RiverSource Investments.

"It probably won't be a smooth transition, assuming rates are near where we are currently."

Can New Governors Recharge the Stock Market?

Evan Newmark and Dennis Berman debate whether the results of today's elections will send the stock market up.

Since the central bank said nearly a year ago it planned to buy up privately held mortgage-related bonds, eventually becoming the largest buyer of mortgage-backed securities, mortgage rates have tumbled to just over 5% from more than 6%. See related story.

Fed officials and many economists credit the Fed's plans to buy $1.25 trillion in mortgage-backed securities and $200 billion in debt sold by Fannie Mae /quotes/comstock/13*!fnm/quotes/nls/fnm (FNM 1.10, -0.05, -4.34%) , Freddie Mac /quotes/comstock/13*!fre/quotes/nls/fre (FRE 1.20, -0.04, -3.23%) and Ginnie Mae, for weighing on rates. It's already finished the bulk of the purchases, expected to end in March.

Other factors also helped improve dynamics in the mortgage, including a lower supply of new mortgages.

Still, given the size of the Fed's role in this obscure but huge market, which makes up about a third of all U.S. bonds outstanding and takes up a sizable chunk of most bond mutual funds, they are worried that the Fed won't be able to engineer a graceful exit. Any sharp rise in rates could cut off the tenuous recovery in the nation's hard-hit housing market.

"Everyone is sitting there looking at the door," said William Chepolis, who helps manage the DWS Strategic Income Fund /quotes/comstock/10r!kstax (KSTAX 4.56, -0.01, -0.22%) .

"We have a lower position in the mortgage market than we have [had] in two years because I just don't think these prices are sustainable. There will be an upward adjustment there and mortgage will follow."

Even Pimco's Bill Gross has busily sold off his mortgage-related securities after earlier recommending investors buy what the Fed is buying. See Fund Watch.

In its favor, the Fed has already ended one debt-buying program without disrupting the market. Last week, it wrapped up its $300 billion in Treasury purchases. Yields on the benchmark 10-year note barely budged and have hovered near 3.5%, or 45 basis points lower where they were in June.

After last month's meeting, the Federal Open Market Committee said the committee will slow the pace of its mortgage-bond purchases "to promote a smooth transition in markets and anticipates that they will be executed by the end of the first quarter of 2010."

Mind the gap

Mortgage rates, like many other loan products, are usually priced at a certain amount above Treasury securities.

Since the Fed has become the 800-pound gorilla in the mortgage market, the gap between Treasurys and other rates has narrowed sharply, reflecting reduced investor fears about holding mortgage debt compared to safe-haven Treasurys.

The spread between yields on mortgage bonds and Treasurys has fallen to 0.15 percentage points, according to Bank of America's Merrill Lynch unit. That's the lowest since 1998 and way below the long-term average. In December the spread was 1.92 points.

Northwest Indiana Mortgage Rates

2009-10-01T14:54:00.000-07:00

Northwest Indiana Mortgage Rates dropping this week.

In news that was a bit of a surprise actually, on news that the stock market today dropped more than 200 points ... mortgage rates dropped even further.

Call us at 219-762-7200

It's official the Recovery Has Begun

2009-07-27T10:11:00.001-07:00

June new home sales rise 11 percent!

And the stories go on and on. I usually write and wax politic over at Porter County Indiana Politics, but today a little bit here on our Northwest Indiana mortgages site.

If the housing market is finally coming back this means two things to you the coonsumer:

Prices have gone as low as they will go. Inventories are reducing, meaning less supply, meaning less of a buyers market.
Interest rates in the 5's are almost over. If you are waiting around for 4% rates, I'm afraid you may have to wait another 50 years. The government is borrowing so much money that investors are wanting higher rates for the debt, pushing all interest rates higher.

Call me today if you are looking to buy a home, especially your first home, I'll help you with the process. If you haven't refinanced, and your rate is above 7% ... let's make it happen now!

Steve Dalton
219-762-7200

Indiana Mortgage on Facebook

2009-07-05T05:02:00.000-07:00

We got it! I was really wanting the URL Indiana Mortgage for our facebook page. And after a concerted effort to build our fans over 100, we grabbed the URL. If you use Facebook, please check it out and join our page.

What's that mean? Who knows, really we'll have to see how well Facebook Business Pages even search, so far they aren't searching real high. But if they do, and if we can get some inbound links we should be able to give the quickens and eloans of the world a run for SEO leader in Indiana.

Northwest Indiana Mortgage Broker

50 tweeps to follow in NW Indiana

2009-07-02T18:10:00.000-07:00

My July 4th #followFriday

It seems we all love a list, and twitter is like no other for making us want to rank and list. Here is my own list of Top 50 #nwindiana tweeps to follow. Obviously you can follow me too @daltonsbriefs

Go ahead and comment on who you think is missing, who should be included when I update the list next week. I did not purposely skip anyone, but I'm sure I missed some obvious important people from the region. Are you following them all? Have you gone to their blogs to subscribe so you can keep track of important posts? The order is random, but I did list number of followers.

Lastly, you'll note only one politician. Although a few have profiles they hold, none really use them to engage or retweet or even post links. Hopefully this will change next year.

@kathysipple 1,703 followers, organizer of first #nwitweetup
@davewoodson 2,103 followers, the one and only Mad Mortgage Machine
@fftmortgage 72 followers #mortgage broker
@safrin 495 followers #realestate
@kissmyaster 1,734 followers blogger Kiss My Aster
@bill_mitch 151 followers and a weather report for #valpo every morning
@nwiblogs 246 followers, sponsor of first NW Indiana blogger meetup
@nwi 1,605 followers, breaking news from NWI Times
@posttrib 323 followers, breaking news from the Post Tribune
@richschmidt 307 followers the Valpo Rev
@evelynbaycoffee 536 followers and first #nwitweetup
@aaronsimac 47 followers #insurance
@passtimes 257 followers and everyone's favorite neighborhood pub
@cendercompany 231 followers, municipal consultant
@chucklehman 542 followers, landscape architect
@mbstockdale 1,227 followers, Suncrest Christian Church
@allynpaul 1,078 followers, landscaper and blogger
@jonathonwthomas 788 followers tech/SEO fellow Blog Indiana 2008 attendee
@natfinn 2,225 followers
@chris_hedges 1,941 followers #attorney and original #nwindiana blog carnival
@myCMPS 3,462 followers, #mortgage broker (James Barath)
@iamfiction 127 followers
@livemercial 1,438 followers, many of the staff have profiles as well
@coachlee 2,135 followers
@tudorrestores 131 followers
@loan_guy 265 followers, #mortgage broker (Scott Swinford)
@lakenetnwi 223 followers featuring Lakenet NW Indiana
@cameronbanga 326 followers
@silcottshoes 1,576 followers and uses tweets for biz quite well
@finucane 315 followers
@nwireconnect 462 followers and local ning site NW Indiana Reconnect
@nwitweetup 203 followers this profile used to announce tweet ups
@cartronix 560 followers wireless services
@ValpoLife 543 followers, #valpo portal
@Valpocity 200 followers ... but they arent following anyone ... a mistake
@PorterGOP 179 followers, Joyce Webster County GOP Chair and Portage Trustee
@prayeramedic 951 followers, active long form blogger
@lybolt 528 followers, Joshua Lybolt head of NW Indiana SBDC
@bargainjane 162 followers
@bantafeedss 102 followers
@indianadunes 486 followers
@indiana_sbdc 484 followers
@goldentech 26 followers, host of first #nwindiana blogger meetup
@emc440 33 followers
@ktracycom 130 followers, probably biggest blogger by traffic in region
@mattsaliga 46 followers, Hammond focus
@wendeburbridge 104 followers, Lakeshore Public TV
@nwihomes4sale 28 followers, #realestate (Valerie Kubacki)
@railcats 211 followers, official profile for Gary Railcats Baseball

Help - I need to know if I should buy now?

2009-06-30T05:29:00.001-07:00

Let's be honest, this was a real question submitted by a reader, but they knew my thoughts on the matter. YES, there has never been a better time to purchase a home in Northwest Indiana. Real estate values have completed a small correction over the last two years, and are actually leveled or even increasing in some areas.

Mortgage rates for FHA and conventional loans went all the way down to 4.5% in late May but have since bounced upward into the 5's. It's my opinion that the amount of money that is being borrowed by the federal government for this so called Stimulus plan, is going to push interest rates up to 8% by this time next year.

YES .. low prices and interest rates on the rise. This is the THE time to buy a home in Northwest Indiana.

219-762-7200

Northwest Indiana Home Loan Guy Scott Swinford "sounds off" on the same thing today.

Northwest Indiana Mortgage - online links

2009-06-29T19:28:00.000-07:00

Where can you find us online?

Twitter - FFTMortgage

Facebook - Northwest Indiana Mortgage Services and Lending

Our webpage - First Financial Trust Mortgage in Portage Indiana

Northwest Indiana Mortgages

2009-06-25T04:06:00.000-07:00

For those looking for our website, please check it out First Financial Trust Mortgage.

For home mortgage loans in Indiana we focus on FHA mortgages and first time buyers.

As always call me at 219-762-7200 or email me at Northwest Indiana Mortgage Steve

Mortgage rates falling in Indiana

2009-06-18T08:57:00.000-07:00

From marketwatch this morning:

CHICAGO (MarketWatch) -- After a recent spike seen in mortgage rates, some consumers are wondering whether they've missed their chance to refinance into an ultra-low rate.

Fear not: While the conforming 30-year fixed-rate mortgage hit a daily average of 5.81% last Thursday, it averaged 5.53% on Tuesday, said Keith Gumbinger, vice president of HSH Associates, a publisher of consumer loan information. And it's possible that rates could continue to fall.

Is the worst over for housing?

Housing starts jump a surprising 17% in May, but the jury is still out on whether this signals a turnaround in the struggling housing market. MarketWatch's Stacey Delo reports. (June 16)

"Predicting interest rates is like predicting who is going to win the World Series in January," said Guy Cecala, publisher of Inside Mortgage Finance. That said, he calls the recent spike "somewhat of an aberration," and expects rates will continue to drift down. Read the latest mortgage data.

Why the recent run-up in rates? Over the past month or two, "the economic skies have brightened somewhat," Gumbinger said in an email, and the threat of "trillion-dollar budget deficits for the foreseeable future, the potential for significant inflation, and few clues as to how the government might extricate itself from intrusions into markets" created a landscape that was not appealing to investors.

But now, rates are retreating partly because inflation doesn't seem as immediate a threat as investors feared, Cecala said. In his opinion, nothing fundamentally has changed in the economy over recent weeks to warrant the rate rise, yet he expects volatility through the remainder of the year as investors debate the economy's health.

"Realistically, I think that the rates will drift under 5% again. It may take a month, may take two months," he said.

It's also important, however, to realize that extremely low rates likely won't be around forever, said Bob Walters, chief economist of Quicken Loans, in a statement.

"Luckily, we have seen rates drop some this week, which should help many consumers breathe a little easier," Walters said. "But the fact remains, the government's plan of purchasing mortgage-backed securities cannot go on indefinitely, and when it ends, we will most certainly see a spike in rates. The hope is that the Fed can keep rates low long enough to kick-start a housing recovery. Whether that will work remains to be seen."

"Volatility is the key word in the mortgage industry these days when it comes to rates," said Kyle Kerwin, senior vice president of mortgage lending for Signature Bank of Arkansas.

Here are five tips for those shopping for a mortgage today, particularly those who need to refinance an existing loan:

Get started on paperwork. Once you've found the mortgage professional you'd like to work with, get started on the necessary paperwork, said Dan Green, loan officer with Mobium Mortgage in Cincinnati and author of TheMortgageReports.com. Rates move regularly, and if paperwork has been started your file can be processed more quickly when rates hit a low. When you start the application process, your credit score will be pulled and you'll need to submit support documentation including W-2 forms and pay stubs. You might be asked for updated documents nearer to closing.
Make sure your credit is in good shape. Check credit reports and fix problems as soon as possible, said Mary Curran, president of Highland Financial Mortgage Corp. in Northbrook, Ill. Even seemingly small charges can haunt a borrower: A forgotten, unpaid parking ticket, for example, can noticeably affect a credit score, she said.
Decide at what rate it makes sense to pull the trigger. If you have a 6% rate now, rates would have to hit 5% or lower for it to make financial sense to refinance, Cecala said. Talk with your mortgage professional about what's best for your particular situation.
Stick to your guns. Once you determine the rate you'd need to get, it's probably wise to stick to that decision. Consumers sometimes gamble that rates will go lower, and the plan can backfire if rates reverse course, Kerwin said. A couple of weeks ago, rates were close to 4.5% in his market, "and people wanted to hold out for an extra eighth of a percent."
Remember, rates are still good. Yes, rates could fall and create another record low as a result of a swoon in the stock market, a collapse of a major bank or a deepening of a recession, Gumbinger said. But it isn't likely that many consumers would crave those economic shocks. "Why would anyone wish for those things again to simply get a rock-bottom, ultra low mortgage rate? If it means saving $250 per month on your mortgage but it costs you $50,000 in your 401(k), how could this be seen as any kind of benefit?" he said.

Northwest Indiana Housing Recovery has begun

2008-12-18T12:09:00.000-08:00

If you are sitting on the sidelines waiting for something to say "it's time" then this week was that something. The Fed dropped inter-bank rates to an all time low, did you read that? An all time low this week.

That means that some very clean credit borrowers are getting loans below 5% right now, today! Even if you have a few credit blemishes, call or email us today. Our staff of loan originators stands ready to help you clean up any issues ... find a property ... assist with the appraisal and title work ... and get you refinanced or into your new home fast.

Last week one of our loan originators was able to meet a customer and in less than 10 days close their new low interest rate loan.

Happy Thanksgiving Indiana

2008-11-27T03:53:00.000-08:00

Thanksgiving - We have overcome

No pun intended, Happy Thanksgiving. In this time of economic worry, I felt it important this morning to remember that we have overcome many obstacles along the way in our nation's history and we will overcome these as well. Now, before we take ourselves too serious, we've also been blessed by God and it's high time we take those blessings serious. No soapbox today though.

Thanks for our families, for our churches, for our communities. Thanks for the ability to speak freely and gather in whatever groups we choose. Thanks for our government leaders, although we may have voted different, their responsibilities are great and warrant our support. Thanks for Northwest Indiana, the Southshore of beaches and mills of jobs.

As we gather with friends and family today, remember those who are not as fortunate as you ... there are homeless in NW Indiana, there are hungry, there are families still suffering from the floods a few months ago, there are families unemployed or worried about being unemployed soon. Pause a moment, how can you help?

Buy a toaster - get a bank for free

2008-11-26T06:11:00.001-08:00

I think I saw this last week, but forgot to bookmark so here it is

clipped from mjperry.blogspot.com

FDIC Special: Buy a Toaster and Get a Free Bank

Rates drop - Who wins?

2008-11-26T04:23:00.000-08:00

Well, actually two groups should be excited today:

If you've been sitting on the sidelines for the last two years, waiting until the media tells you it's time to buy a home, don't hold your breath. By the time the media says so, it will be past the best buying chance. Let me be the first to say it ... Buy now! Prices have leveled off, rates are under 6%, and sellers are still willing to help you with closing costs. Don't wait around and miss the bottom.
If you're even close to considering a refinance, missed the last two drops below 6%, then this is the week to get your new loan rate locked. Call today while we can still get these rates.

First Financial Trust Mortgage ... 219-762-7200

Rates drop again - BUY or REFI Now!

2008-11-20T07:18:00.000-08:00

From Marketwatch:

Freddie Mac: Mortgage rates decline again

By Michelle Donley

Last update: 10:09 a.m. EST Nov. 20, 2008

NEW YORK (MarketWatch) -- U.S. fixed-rate mortgages fell for the third straight week, according to Freddie Mac's survey released Thursday. The national average interest rate on the benchmark 30-year, fixed-rate loan averaged 6.04% in the week ending Thursday, down from last week's 6.14% and the year-ago 6.20%. The 15-year fixed-rate loan averaged 5.73%, down from the week-ago 5.81% and the year-ago 5.83%. The five-year Treasury-indexed hybrid adjustable-rate mortgage averaged 5.87%, compared with 5.98% a week ago and 5.88% a year ago. One-year Treasury-indexed ARMs averaged 5.29% this week, down from last week's 5.33% and the year-ago 5.42%. "Long- and short-term mortgage rates fell for the third consecutive week amid continuing signs of a slowing economy," said Frank Nothaft, Freddie Mac vice president and chief economist.

Jobless claims jump more than expected

2008-11-20T06:18:00.001-08:00

Hold your horses, this news was expected and frankly will probably get a bit worse in December and January before we see jobs numbers improve. 3 million members of the real estate - housing industry have lost jobs over the last year, this wave affect is now finally hitting the rest of the economy.

clipped from www.marketwatch.com

Weekly U.S. jobless claims jump to 542,000

Initial claims hit highest since July 1992; continuing claims touch 4 million

Initial claims for state unemployment benefits rose by 27,000 to stand at 542,000 in the week ended Nov. 15, the Labor Department reported. The number was much higher than the 503,000 that had been expected by economists.

FHA loan limits for Northwest Indiana

2008-11-09T05:23:00.001-08:00

$417,000 in Porter County for a single family home
$417,000 in Lake County for a single family home
$417,000 in LaPorte County for a single family home

This is good news, in some parts of the country with declining home values these loan limits were reduced this week for 2009 FHA loans. This means even less people will be able to access FHA loans.

FHA is the most solid lending source right now. If you are looking to purchase or refinance you may very well need an FHA loan. FHA loans are guaranteed by the government but are not owned by the government, this is a popular misconception. The loans are pooled into bonds, the very bonds that were the hype of many financial sector stories this fall, and sold into the securities markets. You can get a loan, trust me, but we should talk soon so we can iron out any issues prior to you making an offer on a house.

Back to the basics - Home Buyers Needed

2008-11-06T07:34:00.000-08:00

With the election out of the way, I'm hoping that we can all get back to what we do best.

The real estate markets in NW Indiana are poised for a recovery, but what we all need most are home buyers. The media was successful in scaring everyone into renting or staying on the sidelines ... If you are a renter, this is a pretty awesome time to buy a home.

Feel free to email or call today if you'd like to discuss your options for buying your first home.