Real Estate - Kristin Duncan - Charles Rutenberg Realty

CONNECT WITH A MORTGAGE LENDER

Connecting with a trusted mortgage lender early in the home-buying process can help you understand your budget, financing options, and what you can comfortably afford before you begin seriously shopping for a home.

We work with experienced lenders who understand the Central Florida market and can help you explore available loan programs, down payment options, interest rates, and other factors that may impact your home purchase.

FINANCING MYTHS

I NEED A 20% DOWN PAYMENT TO

PURCHASE A HOME

A 20% down payment isn't required for every home purchase. Depending on your qualifications and loan program, there may be options available with a much lower down payment.

A mortgage lender can help you compare available programs and determine which options may make the most sense for your financial situation.
I HAVE TO FIGURE OUT THE HOME-BUYING

PROCESS ON MY OWN

Working with a real estate professional gives you an advocate throughout the process, from understanding your options and touring homes to negotiating an offer and navigating inspections, financing, and closing. Buyer agent compensation varies by transaction and should be discussed with your agent before beginning your home search.
RENTING IS ALWAYS CHEAPER THAN OWNING

Renting and owning each come with different costs and benefits. The right choice depends on your timeline, finances, lifestyle, and long-term goals. A lender and real estate professional can help you compare your options based on current market conditions.
I NEED TO PAY OFF ALL OF MY DEBT

BEFORE PURCHASING

Having debt doesn't automatically prevent you from qualifying for a mortgage. Lenders consider several factors when evaluating your financial picture, including your income, existing monthly obligations, credit, and the loan program you're considering.

Before making major financial changes or paying off accounts, talk with a mortgage professional about your specific situation.
MY CREDIT SCORE NEEDS TO BE PERFECT

BEFORE I SPEAK WITH A LENDER

You don't need perfect credit to start a conversation with a mortgage lender. Credit requirements vary depending on the loan program and your overall financial profile.

Speaking with a lender early can help you understand where you currently stand, what financing options may be available, and whether there are steps you can take to better prepare for a future home purchase.