Step 1: Figure out how much you can afford

What you can afford depends on your income, credit rating, current monthly expenses, downpayment and the interest rate. The information and calculators below can help, but it is best to talk a mortgage professional at UPG to find out for sure.

How much can I afford?
Homebuying & Mortgage Calculators

Step 2: Know Your Rights

Fair Housing: Equal Opportunity Act
Title VI of the Civil Rights Act of 1964
Section 504 of the Rehabilitation Act of 1973

The US Department of Housing and Urban Development can provide more information on your rights.

Step 3: Shop For A Loan

Save money by doing your homework. Let us help you compare costs and interest rates, and negotiate with banks to get a better deal. Consider getting pre-approved for a loan.

Step 4: Learn About Homebuying Programs

FHA loan programs offer lower downpayments and are a good option for first-time homebuyers. Ask us about FHA Loans and other types of government loan programs.

Step 5: Shop For A Home

At UPG Financial, we work with an entire network of realtors to help make home shopping easier. If you choose a home in a neighborhood with a Home Owners Association (HOA), be sure to request a copy of the HOA packet, so you can review before closing.

Step 6: Make An Offer

Discuss the process with your real estate agent. If the seller counters your offer, you may need to negotiate until you both agree to the terms of the sale.

Step 7: Get A Home Inspection

Make your offer contingent on a home inspection. An inspection will tell you about the condition of the home, and can help you avoid buying a home that needs major repairs.

Step 8: Shop For Home Owners Insurance

Lenders require that you have homeowners insurance. We can help you shop around for the best coverage at competitive rates.

Step 9: Sign Papers

You're finally ready to go to "settlement" or "closing." Our loans agents will help you understand all the paperwork before you sign.