Purchasing

Owning your own home provides several benefits. In addition to the satisfaction of being a homeowner, you can build equity, enjoy tax deductions, say "good bye" to your landlord and take control of your living environment.

In an effort to spur growth in the economy and benefit all citizens, both the local and federal governments are making a strong push to encourage home-ownership. Along with record low interest rates there are various incentives and programs designed to give you a tremendous head start on your path to home ownership.  Gainesville in particular has some amazing programs that won't last long and make the advantageous of buying vs. renting even greater. 

• An $8,000 tax credit incentive for new home buyers from the Department of Treasury, which does not have to be repaid and can be received immediately even today.
•  Up to $20,000 in down payment assistance from the Alachua County Ship program, which is a gift as long as you keep the home for ten years.
  
•  A $50,000 homestead exemption that can lower your property taxes by as much as $1,000 every year.

Whether you are a first-time home buyer, renter, or are purchasing a new or second home, we have an assortment of tools and loan programs to meet your individual financing needs. Use our easy-to-navigate site, or contact us by phone today.

• Determine how much you can borrow and buy with our Pre-Qualification Calculator.
• You can beat the competition and negotiate more effectively when you're pre-approved. Apply Online now to be pre-approved.
• See how your equity and security can grow as a homeowner. Compare the benefits of owning vs. the cost of renting with our Rent vs. Buy Calculator.

The rules and regulations on lending are changing everyday.  Speak with one of our mortgage experts directly to find out the latest about which programs will be of best assistance to you.