Buying a Home

The Mortgage Process

Whether 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 desire reverse mortgage information, your local non-profit mortgage company, Helping Hands, is here to help you better understand the mortgage process so that you’ll be able to make the best decisions to achieve your goals.

“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.

Our goal is for you to obtain the best mortgage program for your situation. For purchase transactions, the first step to achieving your housing goal is to get a better of how much you can afford.

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Access Your Online Mortgage Application

If you are ready to get started on your secure online application, Click the big orange button.

Common Questions and Homebuying Resources

Your Mortgage Calculator

  • year(s)
    per year
    per year

    Your total monthly payment

    Principal & Interest
    Home insurance
    Property taxes
    PMI
  • DISCLAIMER: The information provided by the calculator above is for illustrative purposes only. The figures shown are hypothetical and may not be applicable to your individual situation. Consult a financial professional prior to relying on the results of this calculator. The calculated results are intended for educational purposes only and accuracy is based on factors that may not be represented in calculator.

    What are the Two Most Important Questions?

    What Can You Expect?

    Here is a “play-by-play” of how a typical mortgage application and approval process works.

    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:

    Our team has closed thousands of purchases.  The key to a smooth transaction is organization and communication.  We help each of our clients to be well prepared, to gather the necessary documentation, and to understand the mortgage application process.

    Please contact us to better understand the buying mortgage process.

    Down Payment Requirements

    Veterans Loan

    FHA Loan

    Your Credit Score 

    What is PMI?

    To be connected to a Giver's Mindset loan officer regarding the purchase process, submit the form below. Our loan officers will assess your needs and will create a custom roadmap for success. Congratulations on taking the first step!

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    Access Your Online Mortgage Application

    If you are ready to get started on your secure online application, Click the big orange button.

    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.