The all time American Dream is having a house that you can call it your own. This is a form of reward that is truly deserved with all the hard work that you have done to date. Just think, no more landlords, pets are allowed, and you now have ultimate privacy. While some may argue that renting has less responsibility, there are many benefits that you will lose when compared to owning. For example, when you rent for 30 years, what have you accomplished at the end of that term? NOTHING!!  When you own a home that has a mortgage payment in place of rent, you have a tangible benefit of a property that has a considerable amount of value at the end of the mortgage term. Also renting has no tax benefits, where as paying a mortgage has huge yearly tax benefits which equate to funds back in your pocket instead of the landlord. This also applies to improvements. When you improve your rental space you are only helping your landlord and for the most part can consider the funds you spent as wasted money. When you improve your own home you increase the value of your home and transferred the funds you spent into equity in your home.   

Now, many may argue that owning a home costs more than renting on a monthly basis. In the past I would agree with that comment. Now, however, due to a significant drop in home prices you can find a nice home that is very comparable to the average rent in your area. The most popular government home loan program is our USDA loan. Consider this... your renting, you have funds set aside for an emergency that you don't want to use, but you really want to take advantage of the very attractive home prices in the market. Envoy Mortgage located in Watertown Connecticut can offer you a No Down Payment low fixed government interest rate for 30 years with no mortgage insurance required. Our program has the ability to enable you to purchase a home with zero to minimal funds out of pocket and a monthly payment comparable to what the average rent is. This program and Envoy Mortgage has been approved by the government to help individuals become homeowners in the state of Connecticut. Get Started Today! 


Now we all know that engaging into something new to you is exciting but at the same time could be a stressful thing to do. We at Envoy Mortgage are here to help and educate you through the entire process. So what is that process?

 Well, the first step is completing a loan application.This information helps us to analyze how much you could afford. This is a very important step as it helps us determine an affordable range for your current situation.

The next step would be knowing the kind of house you want to buy. Where do you exactly want to reside? Will you consider buying a condo unit or a single family residence? Things like these should be considered too narrow down the choices available. Once you decide the type of residence and we know your monthly mortgage comfort level, you will need a recommended professional that is USDA certified, to give you a list of homes in the area that you are interested in. 

For a first time buyer, hiring an expert or seeking help from the pros will help you a lot. Of course, you do not just trust anyone easily. You have to make sure that such person is credible and certified so you will be guided accordingly. Ask for references, contact the BBB ( Better Business Bureau ) Do your homework!

Buying a house is a complicated task. No matter how excited you can be, you need to slow down and observe a systematic way of dealing with the project. In this way, you will be assured that everything is in proper order. Keep in mind that you are making the biggest investment of your life. Envoy Mortgage is her to help you through the entire process.

Thorsten Bernacki
Envoy Mortgage
tbernacki@envoymtg.com