Simplify Your Home Buying Process
Buying your first home?
Are you ready to take the first step toward buying your first home? Start by talking with one of our home buying experts today.
See MoreAre you a veteran or physician?
At Independent Home Loans LLC, we have special programs for Veterans and Physicians. Click below to learn more.
See MoreGet your free quote today.
Apply online for a quick and easy FREE quote. It's that easy to take your first step toward being a home owner.
See MoreWorking with another mortgage company?
Get your FREE second opinion today.
Common Mortgage Questions
What's the first step to take when buying a home?
Receive a mortgage pre-approval. Unless you are paying cash for a house, you will need to get a mortgage. In order to know how much home you can afford, you will need to get pre-approved for a loan. This is the first-step in the home buying process.
How long does it typically take to buy a home?
30-45 days. The timeline for finding a house varies greatly from person to person. Once you find a house and have an accepted offer, it usually takes around 30 days to close.
Should I talk with a bank first?
The answer to the question is YES! There are tons of reasons why you should talk with a bank and get pre-approved before looking at homes. First and foremost, talking with a bank before looking at homes can help you understand exactly how much you can afford. There is no reason to look at homes that are listed for $250,000 if you can only afford up to $200,000.
Should I buy or continue to rent?
Buying a home can be a very solid investment. This being said, renting can also be a better option for some, depending on the circumstances. The current interest rates are incredible. A 30-year FHA mortgage can be locked in at a rate of around 3.5%. Since the interest rates are so low, it actually can be cheaper to pay a mortgage right now than paying rent.
Should I contact a realtor when buying a home?
When buying a home, it’s strongly recommended you have a Realtor. There are many reasons why you should have a Realtor represent your best interests when buying a home. Keep in mind, all Realtors are not the same! When choosing a buyers agent, make sure you know how to properly interview prospective Realtors when buying a home.