Answers to your first time home buying questions - CENTURY 21 Gateway Main Office Lafayette LA

Answers to your questions?

What can I afford to buy?

Each Lafayette first time home buyer is unique — and we'll help you find out just what you can afford. Your income and your debts will typically play the biggest roles in determining your price range. It's simple to make an estimate, just run the numbers yourself using our Affordability Calculator

Do I have enough money to buy my first home?

We offer a range of Lafayette real estate mortgage and loan programs, and we'll help you determine which can work for you — some of our loans require little money down. You'll also need to consider closing costs and the escrow account for taxes and insurance for your new home. But don't get overwhelmed: it's a snap to figure out how much money you'll need, using our calculators.

What about my less-than-perfect-credit?

Our special solutions program can help:
We offer Lafayette real estate loan options ideal for those who have a few "dings" on their credit report. We try to work with every customer to develop an individual mortgage program - we call it your personalized rate, because no two are alike. So we try to develop a custom program based on your credit worthiness.

What's the best loan program for me?

That depends on a number of factors, including
How long you'll stay in the home;
How much money you'll put down;
How you'll finance the closing costs.
For information on the loan programs and rates available, just visitloan programs.

What are the tax benefits to owning a home?

You may be able to deduct the interest you pay on your Lafayette hom mortgage loan and some of the financing costs of the home. And your Lafayette property taxes could be deductible. You should consult your tax advisor for more information. If you're renting right now, you may want to take a look at our Buy versus Rent calculator. You can see how much of a mortgage your rent would pay.

What do I need to know about the loan process?

Just this — you've come to the right place for a loan process that's fast, clear, and even fun! We've worked hard to simplify the process and provide the best loan experience anywhere, online or off. Too good to be true? Not at all. Click here to find out How We Do It >

What can I expect after I become a homeowner?

Besides unpacking boxes? You can expect that CENTURY 21 Gateway MAIN OFFICE® real estate agent professionals will continue to provide first-rate support and service. Go online anytime to monitor your loan activity, like principal, escrow, and taxes. And of course, we're always here to help: contact us by email or by phone.