BUYING A HOME
Understand the Process
and all your Options
Home Purchase Financing
Whether you are a first-time buyer or an experienced homeowner, getting a mortgage is not something you do every day. Applying for a loan can be stressful and leave you wondering if you will be approved.
EPM has improved the mortgage process to save our clients time and eliminate stress by pre-underwriting your loan approval upfront and educating you on all loan options available to suit your needs.
EPM’s Decision First® Program completely reverses the mortgage process by pre-underwriting your loan upfront and providing a mortgage approval BEFORE you buy. A Decision First® approval identifies any challenges early in the process, prevents delays after you sign a contract and gets you to the closing table faster.
If we uncover a problem, EPM’s Almost Home® program provides a clear course of action to get approved. Our professional mortgage loan originators will lay out a step-by-step plan to overcome any challenges and provide a full suite of pro bono mortgage consulting services to help you obtain the financing you need, no matter how long it takes.
What type of loan should I get?
There is no one-size-fits-all mortgage, and mortgage strategies change as life changes. At EPM, we listen to understand your unique story and provide custom-tailored guidance to meet your specific needs.
We make it our priority to educate you on all available loan options and help you choose the best home loan financing option for you and your family, wherever you may be on the road of life.
FHA
VA
Conventional
203K
Fannie Mae
Freddie Mac
Empower DPA
HomeReady® & Home Possible®
WHY REFINANCE WITH EPM?
Perfect for the buyer that wants to put less money down or has less than perfect credit. Purchase your first house with as little as 3.5% down!
Even after the completed transaction, EPM continually monitors your mortgage and provides opportunities and resources to you based on market conditions.
Fast and efficient, we close most of our loans in 30 days or less.
Before starting your search for a home, it’s important to know how much you can afford. It is strongly recommended to speak with one of our Mortgage Loan Originators who will calculate your maximum monthly payment. Often this will be more than you want to spend, so give careful thought to your maximum budget as well.
Do you need to stay below a certain monthly payment? Do you have money saved up for a down payment? Do you want to see how your credit score affects your interest rate? Our team can answer all your questions and empower your with the knowledge to make an informed decision.
You can also use our simple mortgage payment calculator to view the principal & payment on various loan amounts at different rates. Please note these payments do not include property taxes, insurance, and other property related charges.
Mortgage Calculator
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