Meet our preferred lender
Sharon Post
NMLS 460329
Vice President Mortgage Lending
South Central Bank
Cell: (270) 735-6485
Fax: (270) 769-3512
Email: sharon.post@southcentralbank.com
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Fixed Rate Mortgages
A fixed rate mortgage allows the interest rate and payment amount to remain the same over the life of the loan, allowing greater control over a household budget.
Adjustable Rate Mortgages (ARM)
Adjustable Rate Mortgages usually have an introductory rate which can be lower than the Fixed Rate Mortgage. This allows the homebuyer greater purchasing power. An adjustable rate mortgage’s interest rate is adjusted periodically based on a pre-selected index. The interest rate will fluctuate based upon the type of product. The payment amount can fluctuate depending on the rate increase/decrease and/or the terms of the agreement.
Government Programs
Some types of programs are insured by the government, allowing for additional financing considerations for qualified applicants. In some instances these programs have less upfront costs, making housing more affordable. The government programs available are: FHA, VA, RHS and KHC.
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Free Credit Score with Credit Karma
There are several ways to go about getting your credit score for free. All of the top, free sites won’t impact your credit score as they are considered soft inquiries. Today, we’ll be focusing on one of the largest and most well-known free credit score sites, Credit Karma. Credit Karma offers a free score along
Do I Need Perfect Credit to Buy a Home?
If you’re thinking about buying a home, chances are you’ll need some sort of financing. Your credit score has a big impact on the financing that you qualify for.