Finding the best mortgage rates for your new home can be time consuming and confusing. Mortgage companies can offer the same exact rate yet their bottom line costs can differ dramatically. Since 1992 New Homes Realty has been helping thousands of home buyers annually find their new home and mortgage. Our FREE real estate services are designed to help you find what you are looking for quickly while saving you thousands of dollars in the process.

By clicking on the map above find companies that will give you the best rates possible for your home mortgage. If your looking for a first or second mortgage there is no better place to start then New Homes Realty Enclosed below are some tips geared towards first time buyers.

• Get your financial house in order - Owning a home is a big commitment.  Is your financial picture rosy?  If your credit history is poor, you have a high debt-to-income ratio, or have made late payments, you’re not going to get the best interest rate.  Request a free copy of your credit report and pay the few dollars to get your FICO score.  Fix any errors in your report, get your debts paid down, and bone up on the basics of personal finance and how to boost your credit rating.  Remember, home owners need cash reserves for maintenance and repairs, remodeling, decorating, furnishings, and appliances.  These expenses should all be figured into the household budget before you determine how much down payment you can afford.  Do what’s necessary to whip yourself into good financial shape before you start shopping for a mortgage.

• Get pre-approved for a mortgage - Who do you think the seller is going to choose, the buyer who is pre-approved, even if the offer is a $1,000 less, or the buyer who promises to have the money?  Nothing gives you more power in the home-buying game than showing up pre-approved.  It shows your agent you’re serious and puts the seller at ease.  So gather those clean credit report and FICO papers and take them to your lender.  If you don’t have a lender, ask family or friends for recommendations and research home loan options on your own so you know you’re getting a fair deal.