Why Get Prequalified for Your St. Marys, Georgia Home

The Home Purchase Process

Buying a St. Marys, Georgia home can be an exciting time in your life, and it can be easy when you know the right steps to take.  ERA Mortgage wants to help you understand the entire process—from finding the mortgage that's right for your unique situation to being prepared for a smooth closing. And be assured—we're here to help you every step of the way as you purchase your St. Marys home.

Our Process

We have developed a program that helps you through the home purchase process in four easy steps—
The Four to the Door^® four-step mortgage program†:

1. Get pre-approved. You'll receive a pre-approval decision in as little as 20 minutes! Contact us and we'll give you a same-day loan decision, guaranteed — or we'll pay you $250.
2. Find a home. Call us when you've found a property. With a wide variety of products to choose from, we'll find the loan that's right for you. For added peace of mind, we offer Pre-Purchase Rate Protection, which safeguards your interest rate against market fluctuations and gives you the option to lock in a lower rate if rates drop.* You can search for St. Marys, Georgia homes for sale online on this site to get an idea of the homes that are available in your price range and then we can schedule a personal tour for each of the St. Marys homes of interest.
3. Return documents. Review your loan package, make any necessary changes and return the signed documents to us.
4. Close on time. As part of the best service guarantees in the mortgage business, We'll meet your requested closing date or we will reduce your interest rate by 1/8 of one percent for the life of the loan.*

For a more detailed explanation or to get pre-qualified for a St. Marys, Georgia Home, call an experienced ERA Mortgage Consultant at my exclusive toll-free mortgage hotline at (877) 863-1279.

	Contact one of our experienced Mortgage Consultants at (877) 863-1279 to find the right mortgage for you and your St. Marys home.

Determine how much you can afford

This is an important first step on your road to home ownership. Three key costs to consider are:

• Down payment — The part of the property purchase price paid in cash and not financed with a mortgage. One thing to consider is that the larger your down payment, the lower your monthly mortgage payments will be.
• Closing costs — Cash due at closing for expenses you and the seller pay to complete the transfer of ownership. Closing costs are typically based on the home price and vary according to location. They might include an origination fee, attorney's fee, initial escrow payments, and charges for obtaining title insurance and a survey.
• Monthly payments — When you are approved for a mortgage loan, you make a commitment to pay back the loan on a monthly basis. Your payment is based on both the principal — the amount of the loan — and interest — the amount you pay to borrow money, calculated as a percentage of the amount borrowed. It also includes money that may be held in escrow for taxes, homeowner's insurance and mortgage insurance.

There are a variety of loan options that can reduce or increase each of these costs.  Talk to one of our Mortgage Consultants, who will help you find the mortgage that's right for you. Call (877) 863-1279.

	Contact one of our experienced Mortgage Consultants at (877) 863-1279 to find the right mortgage for you and your St. Marys home purchase.

Why Get Pre-Approved for your St. Marys, Georgia Home

Take a few minutes to call us for a pre-approval decision and your St. Marys home buying experience will be easier from start to finish. Once you're pre-approved, we'll immediately fax or e-mail a pre-approval letter with your loan amount, so you can start house hunting right away. In fact, most real estate agents will ask you to get pre-approval before they show you homes. You and the agent won't waste time looking at houses that are too expensive because you'll know for sure which houses are in your range. You'll place every bid with confidence because you'll have the letter—and the financing—to back it up. All of which helps you stay more focused on finding the dream hope you can make a reality.

And as we promised, we'll give you a pre-approval loan decision in as little as 20 minutes. For more information, call (877) 863-1279.

 

 

	For more information, call (877) 863-1279 and get started on your St. Marys, Georgia Home Purchase Today!

†Mortgage loans are subject to qualification, receipt of satisfactory appraisal and verification of income, asset and debt information provided by the customer.

*If you have selected a property and lock between five and 60 days prior to closing.

**Approved, conventional, purchase loans only. Closing date to be mutually agreed upon between customer and us, and customer must provide all required documentation. Timely request for adjustment under guarantee is required. Not all programs are available in all areas.