Buying a Home

We Can Help You Afford a Home

Helping Hands' purpose is to help you better understand the mortgage process so that you will be able to make the best decisions to achieve your goals. It doesn't matter if you’re buying your first home or a seasoned homeowner, purchasing a vacation home, moving up down or sideways, investing in properties, or looking to refinance, or desiring reverse mortgage information.

“Our mission is to better educate homeowners and when appropriate, arrange the financing.”

The lending guidelines are constantly changing and it’s critical for you to have current and accurate information, and to understand how the mortgage process works in real-time. Our goal is for you to obtain the best mortgage program for your unique situation.

Your First Step in the Homeownership Process

For purchase transactions, the first step is to answer these two important questions:  

What is your desired monthly housing payment?

This may include the impact of:

      • Interest rates and mortgage programs
      • Real estate taxes and homeowner’s insurance
      • Mortgage insurance

Helping Hands will explain in detail what is included in your housing payment and how that amount is calculated.

How much are you willing to invest in your new home?


There is nothing worse than being surprised about how much money you need on the day of purchase. We’ll explain clearly each cost, to help you identify which ones are mandatory and which ones are optional.

Just as importantly, we’ll explain who pays for the costs – you, the seller, the lender, or a combination of both.

What Can You Expect from the Mortgage Application Process?




“We hold your hands, not just shake them.” 

The Mindset to Ease the Mortgage Process

The mortgage application process involves many groups of people. Your cooperation and attentive communication will be appreciated to ease the process.

Pro tip: The key is for you to provide any requested documentation as soon as possible.

What Can You Expect from the Home Purchasing Process?

The Most Important Step Now that You've Joined the Helping Hands Family

Now that you own your new home, we still have your back.

Your relationship to us remains our top priority, so we'll stay in touch and occasionally check-in to make sure all is okay.

We also encourage you to contact us if you ever have any type of financing questions, or if you may need any other business services.

We have an extensive referral network and are always happy to refer you to other competent, caring professionals.

Ready to achieve your homeownership goals?

Our team has closed thousands of purchases. We will help you become well prepared and understand the mortgage application process, today.

Down Payment Requirements


FHA loans

FHA (Em português)

What is PMI?

Our Helpful Purchase Mortgage Document Checklist

To better serve you and to give you more accurate information, below are the typical documents that we would like to review:

Today’s mortgage guidelines require all lenders to verify the identity, income, and sources of cash used in home financing.  We will explain what is needed to make sure you understand the process.  Helping Hands is ready to help you navigate through every step of the mortgage process.