Buying a Home


Owning a home is the ultimate American Dream and may be more possible than you think. Buying a home is one of the largest purchases one will ever make and we can help you through the process.

What Can You Afford?

The first thing to determine when deciding to purchase a home is how much home you can afford. Based on your income and your current expenses, what funds do you have available to put towards a home? When determining this budget, you also have to consider other expenses of owning a home besides the mortgage payments such as property taxes, homeowners insurance, heating, electric, maintenance, etc.

When you decide you would like to purchase a home it is a good idea to begin to save money to put towards a down payment. Saving for a down payment helps to keep your mortgage amount low and your monthly payments more affordable.

Get Pre-approved

After you save enough for a down payment, it's suggested to get pre-approved for a mortgage. A Sperry Mortgage Professional can give you a pre-approval letter for a certain amount without identifying a property. Being pre-approved helps to determine what you can afford and strengthens your offer.

When you begin searching for a home, think about what features you want in a house keeping your budget in mind. 

Applying for a Mortgage

We know everyone's financial situation is unique, so we offer many different ways to finance a home. You can also visit our Online Mortgage Center, available 24 hours a day, featuring rates, and home buying information. 

Protecting Your Investment

No one needs to tell you that your home is the largest investment you're likely to make. Provident can help you find the homeowner's insurance to protect your investment. 

The Equity Advantage

Once you own a home, the equity it builds can start working for you. You can use it for repairs, remodeling, and bill consolidation. You can even use it to purchase a vehicle. 

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