Mortgage Tips
Everything you need to finance your new Brito home — step by step, with a calculator to estimate your payment.
Think of buying a home as a journey — and us as your guide.
Get Pre-Approved
Ask a lender how much home you can afford before you shop. Pre-approval doesn’t affect your credit score.
Determine Your Payment
Escrow covers taxes and insurance. Your payment depends on income, credit, and a fixed vs. adjustable rate.
Understand the Bills
Budget about 1% of the price per year for upkeep, plus utilities, taxes and insurance.
Do’s & Don’ts
Keep your credit steady — no big deposits, new credit or large purchases while you’re financing.
Prepare Your Checklist
Gather your ID, pay stubs, tax returns and bank statements up front so your loan closes smoothly.
Estimate Your Payment
Use our calculator to see your monthly payment before you talk to a lender.
Do's & Dont's
When it comes to a construction or home buying process, the mortgage process can be tricky and stressful. Therefore, it is important to get everything right when you are getting financing for your home. This way, when you're ready to find a real estate agent, there will be no complications or problems with your credit scores.
- Don't make any large deposits into any of your accounts.
- Don't consolidate debt to one or two cards.
- Don't apply for new credit of any kind.
- Don't MAX OUT or overcharge existing credit cards.
- Don't make any large purchases.
- Do keep all existing credit card accounts open.
- Do maintain your employment at your current job.
- Do pay off collections, judgements, or tax liens reported within one year.
- Do stay current on your existing accounts.
Loan Checklist
Use this checklist to make sure you have everything you need before you begin your loan application. Having all necessary documentation upfront saves time so your loan can close smoothly and quickly.
- Photo Copy of D.L or I.D.
- Copies of One (1) Month Most Recent Pay Stub.
- Business Tax Returns. (All Pages and Schedules)
- Mortgage Statement, Insurance Declaration Page, and most recent tax statement for all other properties owned.
- Copies of Two (2) Months Most Recent Bank Statements.
- Contract for Lot or Warrantydeed. (Construction Only)
- Social Security Card.
- Last Two Years W2's, Income Tax Returns. (All Pages)
- If self-employed, 1099s and copy of Business License.
- Purchase/construction Contract and Copy of Earnest Money check.
- Plans and Specifications. (Construction Only)
- Divorce Decree and Separation Agreement (If applicable).
Estimate your monthly payment.
Adjust the down payment, loan program and rate to fit your plan. We work with FHA, VA and conventional financing — ask us what program fits you best.
Estimate for planning purposes only — not a loan offer or rate quote. Ask us about FHA, VA and conventional financing options.