Let Us Help You Buy Your New Home!
Purchasing a home is a very exciting time, and being well
prepared will help you make better decisions. Take this
opportunity to learn more about home buying and the mortgage
process. Below and throughout this site you will find
information that will help you with the purchase of your new home.
Am I ready to buy?
Buying a home offers many advantages, one of the most
significant being that it allows you to build equity (ownership)
when you pay your mortgage each month. A common myth is that
monthly mortgage payments are more expensive than rent. But,
in many cases, mortgage payments can be even less than rent.
When considering home ownership for the first time, you need
to decide whether buying makes financial and practical sense
for you right now or if you are better off renting. Consider
both the advantages and disadvantages to renting as well as
buying, and weigh the pros and cons for your situation.
How much house can I afford?
The first step toward finding the right home is to
quickly compute your purchasing power and determine how
much you can afford to pay each month. This saves you
time by allowing you to focus on homes in your price range.
In addition, in the planning stage, you should consider both the up-front and ongoing costs associated with purchasing a home.
Some up-front costs include:
Down payment: Typically ranges from 3-30% of
the cost of the house. The more you can put down, the
greater equity you will have in your home and the lower
your monthly payment will be. For down payments less than
20% you may also need to pay mortgage insurance.
Closing Costs: Typically range from 2-6% of the loan amount depending on your area.
On-going Costs: Your housing costs can include the following:
Monthly mortgage payment
If applicable - Flood Insurance
If applicable - Property taxes
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Our Happy Clients
"We have gone through three different refinances on our home at this point. Working with Jim Elkins at Integrity Financial Group has been the fastest, smoothest refi we've experienced by far. He was able to lock us in at an incredible rate (2.5%) on our 30yr and the process took exactly 12 days, start to close with unparalleled communication throughout. We won't work with anyone else going forward."
"Jim is a man of integrity, honest and caring. He takes a personal interest in securing a loan that is best suited for you. I have used his services for a number of years and have referred many of my friends to him. He is the first person I think of when someone needs help with a mortgage loan. He's the best! "
"The experience with Jim at Integrity Financial Group was great! He made the refinancing of our home quick, easy and seamless. A true professional that was not only very knowledgeable but also extremely responsive to all communication. Highly, Highly recommend!"
"Jim was awesome to work with! He answered all our questions quickly and got us a great rate! I wouldn’t hesitate to do business with him again! We did everything via email and the notary came to our house to finalize! Seamless transaction!"
Jim Elkns is the most honest, trust-worthy individual i have ever known and worked with. He is doing a wonderful job at Integrity Financial Group and I look forward to bringing my future mortgage needs to him in the years to come."
"Working with Jim on the refinancing of our home was a real pleasure! He is a true professional and made the process easy, seamless and fast. The quick responses to all our questions and overall thoroughness of each and every conversation had exemplifies a true understanding of customer service! I would recommend Jim to anyone looking to refinance!"
"My wife and I have been homeowners for 45+ years in four states and have had multiple refinances during that time. We just refinanced at the lowest rate ever with Jim Elkins and IFG. This was the quickest and easiest refinances we've done. Jim was extremely responsive and proactive throughout the entire process, which took less than two weeks! I highly recommend Jim and IFG if your are thinking about refinancing. Also the escrow agent Jim uses, Kevin, is terrific also!"