Buying a home is one of the largest purchases you will make in your lifetime. The loan you get to make that purchase will likely be the largest debt you have. Finding the right home and the right mortgage loan are equally important to the financial security of your family.

Working with someone you know and trust or someone recommended to you by a friend can bring you tremendous peace of mind. Click here to see what my customers say about my service.

In addition to the excellent service you will receive, you can rest assured you will receive good value as well. We offer a variety of loan plans with competitive rates. Click here for an online calculator that will help you estimate how much house you can afford, click here to estimate monthly payments for different loan amounts and click here to compare the effect of different interest rates and terms on a monthly payment.

If you are thinking about buying your first home or if it has been a while since you bought your last home, you might find the information at the Mortgage Bankers Association’s Home Loan Learning Center™ helpful. At the Home Loan Learning Center you’ll learn about credit reports and scores; the true cost of owning a home; and how to compare the costs of owning versus renting a home. The Web site provides in-depth, easy-to-read home loan product information in the “All About Mortgages” section, which includes information on how to qualify for a loan, what the documents mean and what's in the mortgage payment. The Home Loan Learning Center™ is committed to empowering you to make informed financial decisions through access to financial education. We encourage you to visit the Web site to continue your financial education by taking advantage of the comprehensive set of links to reach state, federal, non-profit and consumer group Web sites. Armed with the facts, your next move could be into your new home. Click here. to go to the Home Loan Learning Center™.

If you know someone having a difficult time making the monthly payments on their current home or facing a possible foreclosure, there are a number of resources available to them. There are two hotlines available:

We want you to be an informed consumer. Let us help you select the loan terms that are right for you. Contact Jerry Hays at jerryhays@ccs-indiana.com.

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