How to get a mortgage

So you have decided to buy a house.   It could be your first or fifth house unless you can buy it with cash, you will need a mortgage.

Step 1 - Research which mortgage is right for you, it may be 30 year or 15 year fixed mortgages or adjustable rate
Step 2 - Think about what you can really afford, consider everything from how much monthly payments you can afford, closing costs, insurance and how much you can put down. Consider also how much you will need for the rest of your bills
Step 3 - Clear any credit problems
Step 4 - Research for a lender and their rates, again the one that is right for you
Step 5 - Get an appraisal for your house this will ensure that you are paying the right price for it
Step 6 - Get ready for the closing. Be sure you have time to complete any documentation, repairs and appraisals. Once the closing day comes be prepared to read and sign a lot of documentation. If you still have questions ask them.

Remember:  YES Financial is here to help you with each step along the way!


 Read Our Testimonials


They should call you the "Mortgage Mom"!

Bill Thomas


We wanted to thank you for the times you helped us refinance our old house. Also, without you guys, we don't know how we would have made out with the new house we are living in now. Anyone who wants to buy a house should come to see you first. God Bless you.

Jim and Sue Bringman


Thanks for all your work and dedication to helping us with funding our new home and with pulling everything together to help with a speedy closing on the property. We closed Friday and all went well. We will recommend your services to friends in the future. Thanks again for all!

Dwayne Baker


Working with YES Financial for our mortgage loan was a satisfying experience. Because of Barbara's vast experience, we were able to secure a mortgage loan with favorable rates and terms. We would definitely recommend her to our friends seeking to obtain a residential loan.

Glaucio & Brenda Silva