BUY A HOME
start your path to a better mortgage.
Our knowledgeable Mortgage Experts will coach you through the entire process–start to finish. We believe in transparency and education, so you’re never in the dark.
BUY A HOME
start your path to a better mortgage.
Our knowledgable advisors will coach you through the entire process–start to finish. We believe in transparency and education, so you’re never in the dark.
buying a home
At React Mortgage we encompass A to Z lending. Meaning we source solutions and help in any situation when it comes to your borrowing needs:
Whether your first time home buyer, moving on to your next home purchase, or starting a rental investment opportunity, React Mortgage provides the best options when it comes to your purchasing needs. React Mortgage has access to a huge array of loan choices and works with multiple lenders to find the right loan for your situation. We work with you to get your loan closed quickly and efficiently. We offer a 100% virtual mortgage process so everything can be done on your smartphone, computer, or tablet. Plus, we’re there for you when you need to speak with a Mortgage Expert or even do a video chat for any questions!
What are you waiting for? Let’s see what you can buy!
Steps to buying a home
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1. Figure out how much and where
Look hard at how much house you think you can get. You'll need to find how much debt you have and factor that against your income, this is called a debt-to-income ratio. Many lenders only accept below 40%. Then consider hiring a buyer broker to search for houses for you.
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2. Calculate closing costs and downpayment
Typically, you'll need at least 3.5% down with mortgage insurance (at least 20% for conventional without it) for a down payment. You'll also need closing costs which average between 2%-5% of the loan amount.
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3. Look at your credit and fix and errors
Pull a yearly credit report to find any issues you may have. An unpaid loan you forgot about, or a missed payment that was lost in the mail. You'll want to correct any issues before you move on to get the best rate.
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4. Find a mortgage broker and learn about the different options
You'll want to shop for a mortgage, with React Mortgage, your pre-qualification is easy, just apply below. We have exceptionally low rates, but feel free to shop us with our competition. Talk with your broker about different options.
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5. Find the laws that protect you and learn about homebuyer programs
You can't be denied housing or a loan based on demographic information (skin color, gender, etc.) You also may qualify for federal programs that offer lower cost financing like FHA. Ask your broker.
pre-qualify now for an immediate call
Just answer a few questions and our knowledgeable Mortgage Experts will immediately give you a call ASAP
pre-qualify now
for an
immediate call
Just answer a few questions and our knowledgeable Mortgage Experts will immediately give you a call ASAP
