How do you know you're ready to buy a house?

When you can say

I have reasonable credit.
I'm financially stable.
I have a steady job.
I have money saved for more than just my down payment.

4 Easy Steps to Get Ready to Buy a Home

Buying a home is one of the biggest decisions you will ever make. Crossing these items off your list will make it easier for you to finance the home of your dreams:

1) Get your credit in shape.

Get your credit history as clean as you can. A clean credit report can save you thousands by getting you a lower interest rate.

2) Save for a down payment.

If you have at least a 10% down payment saved, you are ready to buy a house. Tip: If you want to put even more down like 15% or 20%, you can avoid the PMI (Private Mortgage Insurance) requirement.

3) Identify the best mortgage type for you.

Different loans offer their own set of advantages and limitations. It's important to research them carefully. We have products for all types of homes, credit, and income profiles.

4) Determine your budget.

Estimate how much can you afford to make sure buying a house works for you financially.

What do I need to know before I apply for a loan?

When you apply for a loan, you may need to provide a lot of information and paperwork. It helps to be prepared with your documents ahead of time for a smoother loan process. To see our Borrower Checklist, click here.

Where can I find a United Mortgage Corp office?

We are where you are. We have multiple branches with hundreds of licensed loan officers across the country.

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