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Tim Bradford (Atlas Mortgage): Loan Officer in Rocky River, Cuyahoga County, Ohio

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Maple heights, OHIO First Time Buyers Mortgages

 

Buying a home for the first time home buyer in Maple heights , Ohio can be overwhelming for a home buyer because few home buyers know where or how to begin the search to buy a home. The first home buying step should be to align yourself with professions who have experience working with a first-time home buyer and assist you thru the process. 

 

Tim Bradford recommends getting pre-qualified for before starting your search for a home in Maple heights so you have a clear understanding of the amount you might be qualified to borrow, the required down payment you will need and any Tax Credits or Special financing options available to Maple heights buyers.   Also, being Pre-Approved shows Realtors and Maple heights  Ohio home Sellers that you are a Ready, Willing and Able Home Buyer.  The process of getting Pre-Approved includes an analysis of your income, assets, credit and present debts.  Obtaining a Pre-Approval is FREE, to start the process Contact Tim Bradford or start an online application and he will contact you. 

 

Find Additional information about
 
Maple heights FHA LOANS              Maple heights VA LOANS      Maple heights OHFA Loans
  
Maple heights USDA Rural Home Loans  

 

When purchasing a home, you will need to have funds to pay for certain items. The first of these being an

  • Ernest Money deposit to prove to the Maple heights , Ohio seller that you serious about the purchase of the home.  These funds will be applied to your Down Payment or the Closing Costs on your loan.

  • Cost of Home Inspection to have a professional inspect the home and let you know any repairs that need to be done now or items that you may wish to take care of once you are the owner of the property.

  • Application Fee when you apply for the loan.  This amount normally covers the cost of an appraisal of the Maple heights home as well as an updated credit report.

  • Down Payment - Some loans for Maple heights homes do not require a down payment, however most loans today will ask for a minimum of 3.5% or more as a down payment.  This is one subject you should discuss with Tim.  You may be eligible for Gift or Grant funds . 

  • Closing Costs -  For homes in Maple heights these can run a few thousand dollars.  As part of your contract you can get assistance from the seller of the home.  Closing costs also fall into four categories.  Check our www.GetGFE.com or www.GFEforDummies.com for more information about Good Faith Estimates as well as how to compare then when shopping for your  Maple heights Mortgage.

    • The first and generally the larger cost is Title and Escrow Services and a lot of these charges are controlled by the Division of Insurance in Ohio.   Maple heights buyers are encourage to shop the services that are shop able.   Discuss this with your Realtor.    

    • The second is Lender Charges, the amount paid by you will affect the rate of interest that you pay on your loan.   Your lender will have some fixed costs associated with the processing of your loan request and in some cases paid to third parties.  

    • Origination Fees are typically viewed as the income my company will receive as income when your loan is closed.  I typically encourage buyers to pay a 1.00% Origination fee because without paying it, the rate on your loan will likely be considerably higher.  Remember you can as for assistance from the seller of the Maple heights in the payment of this charge. 

    • The last of the fees are Discount Points, Tim typically does not encourage the payment of Discount Points, however in some cases it is necessary when dealing with lower loan amounts, borrowers with prior credit blemishes or when a buyers wants a rate of interest lower than the current market rates.  Discuss this with Tim during your Pre-Approval. .

Buying, financing or refinancing a home can appear to be a daunting task, working with Tim Bradford and being Pre-Approved by him, will make the process of getting a mortgage on a  Maple heights home much easier and save you money today as well as over the life of your mortgage.   


"Doing Good things for Good People"
Is our goal,  as you look back you will say it was an enjoyable experience to have worked with Tim Bradford
and the other experienced professionals at American Midwest Mortgage.
Let us assist you with your Maple heights Ohio Mortgage Questions.  

Tim Bradford as an Employee of American Midwest Mortgage Corp-- OHIO MB.803389/LO.007173 ---- NMLS CO.142066/LO.250013
 

Tim Bradford -- OHIO MB.803389/LO.007173 ---- NMLS CO.142066/LO.250013
6363 York Road #300, Parma Heights, Ohio 44130

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Also Serving These Cities in Franklin County:
Bexley, Blacklick Estates, Brice, Dublin, Gahanna, Grandview Heights, Groveport, Harrisburg, Hilliard, Huber Ridge, Lake Darby, Minerva Park, New Albany, Obetz, Reynoldsburg, Upper Arlington, Westerville, Whitehall, Worthington
Maple heights Ohio
Reverse Mortgages
Maple heights Ohio
1st Time Buyers
Maple heights Ohio
USDA Rural Home
Maple heights Ohio
Veteran Loans
Maple heights Ohio
OHFA Loans

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