Welcome Home Mortgage

It’s graduation season, and if you’ve recently tossed your cap in the air—congratulations! You’ve achieved something major, and now you’re stepping into a new chapter filled with opportunity, responsibility, and big decisions. For many recent grads, homeownership feels like a distant goal, but the truth is: you might be closer than you think. With the…

Congratulations, homeowner! You made it through the paperwork, the inspections, the nerves, the signatures—and now the keys are officially yours. But once the excitement settles and the moving boxes start to pile up, many new homeowners find themselves asking: “Okay… now what?” Here’s a helpful checklist of what to do after you close, so you…

Buying your first home is exciting—but let’s be real, it can also feel a little overwhelming. Between paperwork, costs, timelines, and conflicting advice, it’s hard to know where to even start. That’s why we’ve created this guide: to walk you through all things first-time homebuyer—from the “must-dos” to the “please-don’ts”—so you feel confident, informed, and…

In today’s world of online listings, home search apps, and YouTube tutorials, you might wonder: “Do I really need a realtor to buy a home?” It’s a fair question—especially for first-time buyers who want to be smart with their money. But here’s the truth: a great realtor is not just helpful—they’re a total game-changer. Whether…

In 2025, the housing market continues to shift—driven by economic trends, inflation management, and global events. For homebuyers, one of the most important factors in the affordability of a home is the interest rate on your mortgage. Understanding how to navigate today’s rate environment can help you make smarter decisions and potentially save thousands over…

Mortgages aren’t just about numbers—they’re about life. And life, as we all know, doesn’t stand still. Whether you’re getting married, going through a divorce, changing careers, or expanding your family, major life events can impact your mortgage plans (or current loan) in ways you might not expect. Here’s how big life changes can affect your…

For those who have served our country, the VA loan program offers a powerful path to homeownership. Backed by the U.S. Department of Veterans Affairs, VA loans are designed to make buying or refinancing a home more affordable and accessible for veterans, active-duty service members, and eligible surviving spouses. If you’re eligible, here’s what you…

If you’re thinking about buying a home, one of the first things you’ll hear about is your credit score. But what exactly is it—and why does it matter so much in the mortgage world? Whether you’re just starting to build credit or already have a score and want to understand how it impacts your homebuying…

When applying for a mortgage, lenders evaluate several factors to determine your eligibility, and one of the most critical is your Debt-to-Income Ratio (DTI). This simple yet powerful number plays a key role in how much house you can afford and whether you’ll get approved for a loan. Let’s break down what DTI is, common…

When it comes to mortgages, one term you’ll often encounter is amortization. But what exactly does it mean, and how does it affect your mortgage payments? In this blog, we’ll break down the concept of amortization and how it plays a significant role in your homeownership journey. What is Amortization? Amortization refers to the process…