Your Homeownership
Journey Starts Here
Your path to homeownership might be closer than you think.
At Choice Mortgage Group, we believe homeownership is for everyone—and we’re here to prove it. Whether you’re worried about your credit, down payment, or income history, we’ll walk you through your options with honesty, empathy, and solutions tailored to your journey. We’re homeowners too, so we understand the concerns and emotions that come with this milestone.
Why Now Could Be the Right Time
Rent keeps rising—but that doesn’t mean you have to keep paying someone else’s mortgage. You may be more ready to buy than you realize, and we can help you get there with guidance that simplifies the process while delivering outstanding service that exceeds expectations.
Renting vs. Owning:
What’s the Real Difference?
Renting
- Rent goes to your landlord
- Can’t customize your space
- Rent can increase at renewal
- No tax benefits
- No long-term investment
VS
Owning
- Payments build equity in your home
- Renovate and personalize freely
- Predictable monthly mortgage payments
- Potential tax advantages as a homeowner
- Build wealth through homeownership
- Did you know? Some loan programs allow you to buy with as little as 3% down—or even zero down with assistance!
Down Payment FAQs
You don’t need 20% down to buy a home. That’s a myth. We offer:
- Low down payment programs (as low as 3%)
- No down payment options (with qualifying assistance)
- Personalized guidance to help find what’s right for you
How Much Can You Afford
We’ll help you build a realistic homebuying budget that includes:
- Property taxes
- Insurance
- Potential PMI (private mortgage nsurance)
- Closing costs
The goal? Stay on budget while maximizing your buying power.
What Makes Up a Mortgage Payment
Your monthly mortgage payment covers more than just the loan:
- Principal – The portion that pays down your loan balance
- Interest – The cost to borrow from the lender
- Taxes – Property taxes based on home value
- Insurance – Homeowners insurance to protect your property
One payment. Four purposes. All working toward building your future.
What’s a Debt-to-Income Ratio (DTI)
DTI is how lenders compare your monthly debt to your monthly income. A lower DTI = more loan options. Self-employed or earn commissions? No problem—we’ll help you calculate it and explore creative ways to improve it if needed.
Understanding Your Credit
Perfect credit is not required. We work with many first-time buyers whose scores aren’t ideal. We’ll review your full picture and help you get loan-ready—even if you’re starting from scratch.
Tips to keep your score healthy:
Pay all bills on time
Avoid closing older credit accounts
Minimize unnecessary credit applications
Keep credit balances under 30% of your limit
Our Promise to First-Time Buyers
We simplify the path to homeownership with:
- Straightforward answers
- White glove service
- Loan programs tailored to your needs
- A team committed to your success
We’re not just loan officers—we’re trusted guides dedicated to turning your dream of homeownership into reality.
Let’s Get You Started
Take the first step today. Complete our pre-approval form and
see how much home you can afford