Getting a Mortgage and Buying a Home

What You Need to Know About Getting a Mortgage

The Basics:

Buying a home should be one of the most rewarding experiences in your lifetime, especially if you’re a first-time home buyer. But it’s extremely important that you choose a mortgage lender like James B. Nutter & Company to finance your home purchase. Nutter takes all the stress out of the home loan process and allows you to focus on what really counts—making a smart home buying decision for you and your family.

For over 65 years, we have helped thousands of families in America achieve the dream of homeownership. Our experienced team of non-commissioned Loan Officers can help guide you every step of the way, from educating you about the home buying process, to getting you preapproved for a home loan, and finally, closing your home loan on time. Best of all, we offer low mortgage rates without charging all the extra fees other lenders do.

To talk to a Nutter Loan Officer, call 1-800-875-7334 or send us an email.

A-Z: The Nutter Guide to Buying a House

Whether you’re a first-time home buyer or simply looking to purchase your next home, here’s a great resource to help you understand the home purchase process:

  1. Getting Ready to Buy a Home
  2. Exploring Your Mortgage Options
  3. Steps to Getting Preapproved
  4. Finding a Home to Buy
  5. Closing

Frequently Asked Questions (FAQs)

Should I buy a house?

Buying a house is a big commitment and deciding if you’re ready or not depends on a lot of factors. Do you plan to live there for at least five years? Do you have a stable income? Are you planning on any major life changes, like starting a family or changing jobs? It’s important to examine your current situation and how it could change in the future. Learn more about buying your own home versus renting.

What can I afford?

First and foremost, decide how much you want to spend on housing each month. Remember to consider other costs that could affect your overall monthly budget like car payments, student loans, or child care – every situation is different. The most important thing is to find a monthly payment that you’re comfortable with.

Let’s do a little math. All it takes is some quick and easy number crunching and we’ll do the rest. Check out our current mortgage rates and use our Mortgage Calculator to see what works best for you and your situation.

Do I have to pay discount points for a mortgage?

Absolutely not. Discount points are fees paid to a lender in exchange for what should be a lower interest rate. Homebuyers should minimize their closing costs as much as possible and work with a lender who can walk them through the least expensive options. Learn more about Discount Points.


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Contact Us (800) 875-7334