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Our goals here at Hartland Homes include helping to arrange financing to meet your needs. Credit applications are submitted for pre approval without charge. Hartland Homes has a good working relationship with many banks and mortgage companies that will work with our clients with a variety of credit scores, income levels and down payments. If you own property, equity in it can be used as a down payment or if you find property you want to purchase, it can be rolled together with the house purchase into a land/home package.
We work with any loan institution so if you should want to get your mortgage from your home bank, we'll see that they get all the information they will need.We do prefer to work with "Construction Loans".
Budgets
Not quite sure how much you can afford? If you know what monthly payment you can handle, the new home consultants at Hartland Homes can sit down with you and help you put together your project budget using a simple formula - HOLS (Home + Options + Land + Site Work). For example, you want an $800/month payment: insurance and taxes usually average $150/month, so you are left with $650/month. At the current rate of 5%, you can afford an $120,000 mortgage. |
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