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First-Time Homebuyer Resources

Buying a home is such a momentous accomplishment and you will always remember your first home! So of course, having a positive experience filled with cherished memories is what all first time buyers strive for! Having the right team and tools in place to help you accomplish this is our goal! And we realize that there is not just one path to homeownership... you are not a template and your home buying experience should not be one either. We have a variety of programs and systems in place to help and guide you on your personal home buying journey. Check out all of the tools we have and then contact us to help you best implement them to realize your dream of home ownership.

Did you know you can get a home with a 2.25% rate?!

A mortgage assumption, simply put, is taking over another person’s mortgage with all its terms. This would include the remaining length of the loan, the INTEREST RATE AND PAYMENT, as well as the current balance. With the help of the right professionals, you can identify homes for sale that have assumable loans. Many on the market right now carry rates ranging between 2.25% and 5%. To put that in perspective, if you purchase a home with a $500,000 assumable loan with a 3% interest rate, your principal and interest payment would be $2108. Buying the same home with a current market rate of 7.75% would yield a payment of $3582. That’s a savings of over $1400 per month! With approximately 25% of the real estate market having assumable loans, there are more than enough options to choose from.

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Rent Vs. Buy Calculator

Calculate the "break-even" point of renting vs. owning tax savings, and more.

Calculate

Qualify Calculator

Looking to buy? Gain a better understanding of how much you can possibly afford.

Calculate

Certified Loan Assumption Specialist

Laura Jewett

It is so important to continue education as a real estate agent, and I am very proud to share that I have added another certification to my portfolio! I am now a certified loan assumption specialist. What does that mean you may wonder? Following training via the UMe program, I am equipped with the latest tools and resources to help you on both sides of the transaction. If you are buying, I am able to walk you through each step of the process to purchase a home with an assumable loan. For sellers, I am up-to-date on what it takes to certify a home loan as assumable and get your property pending and off the market asap.

Browse Assumable Loans

Testimonials

I could not recommend Laura and Katie enough!

They made first time home buying such a breeze and ensured to help us through every step of the way. All of our questions and concerns were answered thoroughly and in a timely manner to make this purchase smooth and easy. We will consistently recommend them to other for their home buying needs!
I absolutely LOVED working with Laura to find my new home.

As a first-time buyer, I was unfamiliar with the process. Laura was extremely helpful throughout the entire process and was there to help explain/talk through things every step of the way. Additionally, I was referred to her by folks with price ranges MUCH higher than mine, so I was a little self-conscious to begin. Laura was very kind and happy to take on my price range. She listened to my needs and found some great options for me. I would highly recommend working with her and, when I am ready to purchase my next home, I will be calling Laura.
Laura always remained extremely patient, calm and understanding.

As a first-time homebuyer, I knew little about financial terms and was hesitant to take such a big step. Her top priority was my happiness and understanding of the process. She seemed to know what I wanted before I even told her, thanks to her excellent listening skills and empathy. I've since recommended her to several friends, and I believe no other agent could match the level of service and care she provided. Her warmth and dedication are truly unmatched!

Tips & Tricks

1st Time Home Buyer Part 3: MOVING IN!

Laura Jewett | June 13, 2024

Chronicles of a First-time Home Buyer: Part II: Tips and Tricks

Inspired Living Real Estate Collective | May 10, 2022

There are a lot of details that go into the purchase of a home that can be intimidating for the seasoned home buyer.

Chronicles of a First Time Home Buyer Series: 1

Inspired Living Real Estate Collective | April 6, 2022

Most first-time home buyers are worried about making a mistake when taking on a huge financial.

Lease it. Love it? Buy it!

Laura Jewett | July 10, 2022

This new program, offered through Home Partners of America.