Josie Alvarez

New Construction

Let's help you find a new construction loan.

Luxury Home

Let's make your dream a reality.

First-Time Home Buyer

Let's get you pre-approved for your mortgage.

First Step To Buying A House Starts
Here

If you're considering buying a home, it's a big decision requiring careful planning. Here are some tips to help you get started:First, check your credit score. It is important because it tells lenders how responsible you are with money and can impact your mortgage interest rate. You can get a free credit report from AnnualCreditReport.com and review it for errors. If...

If you're considering buying a home, it's a big decision requiring careful planning. Here are some tips to help you get started:

First, check your credit score. It is important because it tells lenders how responsible you are with money and can impact your mortgage interest rate. You can get a free credit report from AnnualCreditReport.com and review it for errors. If you find any mistakes, report them to the credit agency immediately.

Next, start saving for a down payment. Aim to save 20% of the average price of the homes you're interested in buying. It will help you get a lower interest rate and make it easier to pay for other expenses that come with owning a home.

Consider your plans, especially if you're buying a home with a partner or friend. Consider where you want to live, whether you like a yard, and if you want to be in a neighborhood with good schools if you have or plan to have kids.

Make a budget for your monthly mortgage payment and other expenses like taxes and insurance. You want to avoid ending up with a payment that is too high and leaves you struggling to pay other bills.

When you're ready to start looking at homes, get pre-approved for a mortgage from a reputable lender. It will show sellers that you're a serious buyer and give you an idea of how much you can afford.

If you have questions or need help with the pre-approval process, contact me.

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Overview

Feel free to explore our loan programs and use our decision-making tools and calculators. When you're ready, complete our secure online application to apply. If you have any questions, call Josie, and she will gladly take your application over the phone.

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About

Josie is a highly experienced professional who assists with new home construction mortgages, offering personalized loan options and attentive service. As a KBHS licensed loan representative, she works with a team of experts to process loans quickly. Her passion lies in helping first-time homebuyers achieve their homeownership goals. With her knowledge and expertise, she is committed to making the entire process as seamless and stress-free as possible.