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Buyers Information

Are you ready to upgrade your living standards and make an investment in your future?

Why Do You Want To Buy?

Tired of paying someone else’s mortgage? Are you looking to invest in yourself and your future? Ready for a larger house or yard, a potential portfolio of rental properties, or a different area of town? With a clear understanding of what you're searching for, buying the perfect property is easier than ever - stop paying rent and start building up your future.

Government Loans

FHA and VA Mortgages
The Federal Housing Administration (FHA) and the U.S. Department of Veterans Affairs (VA) offer government-insuredmortgage loans. These loans have features that make them easier for first-time home buyers to obtain.

These features include:

low down payment requirements
flexible credit and income guidelines

FHA Mortgage Features
Low down payment
Fixed- and adjustable-rate loans available
Insurance from the federal government replaces private mortgage insurance (PMI)
Maximum loan amounts vary by county

Fixed Rate Loans

Monthly Payments that are Consistent
A fixed-rate mortgage offers a straightforward monthly payment. With a fixed-rate mortgage, your interest rate—and your total monthly payment of principal and interest—will stay the same for the entire term of the loan. That predictability makes it easier to set your budget.


Adjustable Loans

Adjustable-rate mortgage(ARM) loans provide a low interest rate for an initial payment period, making the initial monthly payments less than those a fixed-rate mortgage usually offers.

Adjustable Loans Reflection on payments
After the lower initial rate period, the ARM loan’s interest rate will adjust to a fully indexed rate, and it is likely that your rate and your payments will increase. If the rate goes up after the initial period, your monthly payments go up, so you want to be financially prepared to make larger payments.

ARM loans are available for a 30 year† term. In addition to the term, ARMs have different options for how long the initial interest rate will last before the rate can start to adjust. So, for example, you could get a 7/1 ARM, and your interest rate and payment would stay the same for 7 years before being open to annual adjustment.

When you consider ARM loans, find out how and when your rate can change, because those factors will determine how much your monthly payment is.

Mortgage Info

Stacy Dempsey

Branch Manager/Loan Consultant
NMLS # 494761
Mobile:  850-217-7498 | Email:

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