Making Homeownership More Affordable

Finding the right mortgage is just as important as finding the right home. At 21st Century Realty, we're committed to helping you understand your financing options so you can make informed decisions with confidence.

 

Whether you're a first-time homebuyer, purchasing your next home, or investing in real estate, we'll connect you with trusted local lenders who can help you explore loan programs that best fit your financial goals.

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Why Get Pre-Approved First?

Getting pre-approved before you begin your home search offers several advantages:

• Know your buying power before you start shopping

• Strengthen your offer when competing with other buyers

• Focus on homes within your budget

• Speed up the purchasing process

• Gain confidence throughout your home search

A mortgage pre-approval shows sellers that you're a serious, qualified buyer and can help make your offer more competitive.

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Financing Options

Your lender can help determine which loan program best fits your needs. Common financing options include:

• Conventional Loans

• FHA Loans

• VA Loans

• USDA Rural Development Loans (where eligible)

• Jumbo Loans

• Investment Property Loans

• Refinancing Options

Our team can introduce you to experienced mortgage professionals who will explain your available options and guide you through the application process.

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What Costs Should You Expect?

In addition to your down payment, it's important to budget for other home-buying expenses, such as:

• Earnest Money Deposit

• Closing Costs

• Home Inspection

• Property Appraisal

• Homeowners Insurance

• Property Taxes

• Recording and Escrow Fees

• Moving Expenses

Knowing these costs in advance helps you plan your purchase with greater confidence.

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Documents You May Need

Being prepared can help speed up the loan approval process. Your lender may request:

• Government-issued photo ID

• Recent pay stubs

• W-2s or tax returns

• Bank statements

• Employment verification

• Information about current debts and assets

Requirements vary by lender and loan program.

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We Work with Trusted Local Lenders

While you're free to choose any lender, we're happy to connect you with reputable mortgage professionals who can answer your questions, explain available financing options, and help you obtain a competitive loan.

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We're Here Every Step of the Way

Buying a home doesn't have to be overwhelming. From your first consultation to closing day, we'll work closely with you, your lender, and the escrow team to help ensure a smooth and successful transaction.

Our mission is to make your home-buying experience as seamless and stress-free as possible.

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Ready to Get Started?

Whether you're purchasing your first home, relocating to Guam, or investing in real estate, 21st Century Realty is here to help. Take the first step toward homeownership today.  CONTACT US