Reasons why you need to call Principle Home Mortgage, LLC when considering purchasing a home:

Purchasing a home can be a feat of patience and perseverance. There are so many details that need to be addressed and frankly, it can get difficult to wrap your head around. Here’s where Principle Home Mortgage, LLC and David “Shane” Whitteker can help ease your load and help you successfully purchase your home in State College, PA. Below are a few ways Shane and Kate Whitteker can help you in the process:

1. It is important to set up a meeting with Shane when you see the need for a bigger home or you realize you need your own space. Here’s why: Starting your purchasing experience with Principle Home Mortgage, LLC will ensure you are eligible to buy that home and will determine what you can afford. You can then go out shopping with confidence knowing the price range that will fit your budget.

2. And, why yes, we have top notch realtor referral partners in the State College area whom will work for you to make your dreams come true with a home that is a perfect fit for you.

3. Another reason to meet with Shane Whitteker at the very beginning of the home buying process is to be sure your credit is as excellent as it can be for the best pricing possible. He will go over your credit report with you and if there are any issues he can tell you exactly what you need to do to bring your score up. This truly has been beneficial for many of our clients here at Principle Home Mortgage, LLC.

4. Meeting with your mortgage broker will also determine what loan program will best fit your budget and needs. For instance, a FHA loan requires a lower down payment upfront but includes monthly mortgage insurance while Conventional loans have higher down payment up front (Click here to see our loan products). This is where Shane’s expertise can help as he will look at your budget to help determine the program that best fits your needs.

5. And lastly, the paperwork. There is a lot of it. Believe me when I say it will take a huge load off to let Shane manage this process for you. In the initial meeting he will go over the documentation needed to submit your loan to the bank. He gives you the list and you can gather your important documents.

As you can see, the benefit of meeting with Shane Whitteker at Principle Home Mortgage, LLC at the start of your home purchasing expedition can greatly ease the pressure you may feel. We want you to have a great purchasing experience.