The DeSpain Team
Powered by Edge Home Finance

Buy a Home

Prepare to Buy with Clarity

A thoughtful plan helps you understand qualification, estimated payments, cash requirements, financing options, and the overall commitment before you start making offers.

Begin With The Life Behind The Loan

Your price range is only one part of the conversation.

What You Hope To Accomplish

Your Preferred Timeline

The Property You’re Considering

Your Monthly Payment Comfort

Your
Homebuying
Plan

The Cash You Want To Invest

Your Other Obligations And Priorities

How Long You Expect To Own

The Questions You Want Addressed

Qualification Does Not Always Equal Affordability

What you qualify for and what feels comfortable are two different things. Understanding both helps you make a more confident homebuying decision.

Qualification

What You May Be Able To Borrow

We help you understand your buying power, estimated payment, and financing options.

Your ComfortMatters

You’re in the driver’s seat.

Affordability

What Feels Right For You

You decide what monthly payment, cash investment, and overall commitment feel comfortable for you and your family.

What Affects Buying Power

Income And Employment Documentation

Credit History

Existing Debts

Available Funds

Your
Buying
Power

Property Type And Occupancy

Current Loan Guidelines

Interest Rates And Market Conditions

Taxes Insurance And Housing Expenses

Protect Your Preapproval

Your Credit

Check with us before opening or closing credit accounts.

Major Purchases

Talk with us before financing a car or making a large purchase.

Your Employment

Let us know before changing jobs or how you earn income.

Protect Your
Preapproval

Moving Money

Check with us before moving large amounts between accounts.

Large Deposits

Let us know about any substantial or unusual deposits.

Co Signing

Talk with us before co signing for someone else.

Ready to explore homeownership?

Start with a conversation, continue learning, or begin the application if you already know you’re ready.