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Frequently Asked Questions

How much cash will I really need to buy a house?

A good rule of thumb is to estimate about 8% of the purchase price of the house you wish to buy. So, if you're buying a house for $400,000 expect to spend about $32,000 in down-payment and closing cost. The good news is that it doesn't all have to be your money.

How does Down-Payment Assistance Programs really work?

All Down-Payment Assistance Programs are typically 2nd mortgage loans with 0% interest and No Monthly payment. Some are grants that are forgiven over time. Others are paid back with small monthly payments. Most of them have to be paid back whenever you refinance, sell, move out, pay-off the 1st mortgage or transfer the house to your heirs.

What can I do if I don't have enough cash to buy the house I like?

You're in luck, here are some sources of cash to help you cover your down-payment and closing costs:

Down-Payment Assistance programs
Grants from Charitable Foundations
Gifts from the Seller or Builder
Gifts from family members

Is it better to use a Mortgage Broker or a bank to get a home loan?

Your bank or credit union may not be the best places to go for a home loan. Sometimes they may not even offer the type of loan that you need.

Mortgage Brokers have access to hundreds of lenders and can find a loan to meet the needs of almost any kind of borrower. Mortgage Brokers, like Claire Financial Services, will also give you personalized attention and expert guidance throughout the entire purchase or refinance process.

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Claire Financial Services, LLC is a boutique Mortgage Broker located in the beautiful city of Port St Lucie, Florida.

Our mission is to find the right mortgage loan every time, for everyone we serve, so that they can either create or leverage Home Equity to Live A Better Life.