DBA For James B. Nutter & Company NMLS 2067

Getting a Mortgage and Buying a Home

What You Need to Know About Getting a Home Loan

The Basics:

Buying a home should be one of the most rewarding experiences in your lifetime, especially if you’re a first-time home buyer. But it’s extremely important that you choose a mortgage lender like Nutter Home Loans to finance your home purchase. No one understands home loans better than our team of experts. Licensed in all 50 states, Nutter takes all the stress out of the home loan process and allows you to focus on what really counts — making a smart home buying decision for you and your situation.

Since 1951, we’ve helped thousands of families in America achieve the dream of homeownership. Our experienced team of Loan Officers (non-commissioned, too!) can help guide you every step of the way, from educating you about the home buying process, to getting preapproved for a home loan (for free!), and finally, closing your home loan on time. Best of all, we offer low mortgage rates without charging all the extra fees other lenders do.

A-Z: Home Buyer’s Guide

Whether you’re a first-time home buyer or simply looking to purchase your next home, here’s a great resource to help you understand the home purchase process:

  1. Getting Ready to Buy a Home
  2. Exploring Your Mortgage Options
  3. Steps to Getting Preapproved
  4. Finding a Home to Buy
  5. Closing

Frequently Asked Questions (FAQs)

Should I buy a house?

Buying a house is a big commitment and deciding if you’re ready or not depends on a lot of factors. Do you plan to live there for at least five years? Do you have a stable income? Are you planning on any major life changes, like starting a family or changing jobs? It’s important to examine your current situation and how it could change in the future. Read more on why you should own and not rent.

What can I afford?

First and foremost, decide how much you want to spend on housing each month. Remember to consider other costs that could affect your overall monthly budget like car payments, student loans, or child care – everyone’s situation is different. The most important thing is to find a monthly payment that you’re comfortable with.

Let’s do a little math. All it takes is some quick and easy number crunching and we’ll do the rest. Check out our current mortgage rates and use our Home Loan Calculator to see what works best for you and your situation.

Do I have to pay discount points for a mortgage?

Absolutely not. Discount points are fees paid to a lender in exchange for what should be a lower interest rate. Homebuyers should minimize their closing costs as much as possible and work with a lender who can walk them through the least expensive options. Learn more about mortgage Discount Points.

The Benefits of Getting a Loan from Nutter Home Loans

  • We are one of the largest privately owned mortgage banking firms in the country.
  • Dedicated to borrowers nationwide since 1951. We’re licensed in all 50 states.
  • We have an A+ rating with the Better Business Bureau and believe in “If it’s not good for the customer, it’s not good for us.”
  • Our quick and easy online application process leaves you with less paperwork and more time for everything else. Plus, you can manage your mortgage online through our Customer Portal.
  • We offer some of the most competitive rates, including No Closing Cost Loan options - saving you money now, and in the future.
  • Our team of Home Loan Experts (non-commissioned, too!) are available via chat, email and phone to help you understand the details and which home loan is right for you.
  • We pride ourselves on having the best customer service in the industry – even after you close.

Sound a little complicated? Well, you’ve come to the right place.

Since 1951, we’ve helped people save hundreds, or even thousands of dollars a month, when they purchase or refinance their mortgage with Nutter.

Call 1-800-875-7334, send us an email or chat with us online and our team of non-commissioned Loan Officers will answer all your questions.

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