DBA For James B. Nutter & Company NMLS 2067

Getting Ready to Buy a Home

Deciding if you’re ready to buy a house depends on a lot of factors. It’s important to examine your current situation and how it could change in the future. 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? Buying a house is a big commitment but there are a number of compelling reasons as to why you should buy your own home.

Read more on why you should own and not rent.


One of the biggest factors people choose to buy a house instead of renting is that once your mortgage term is over, you own the home. Owning a home provides a foundation in a way renting can’t.

Make Your Vision Come to Life

Your home is also a place you have the ability to make your own and the flexibility to make your vision happen. Change the paint color, knock down a wall or build an addition - it’s your home and you have creative control.

Read our blog about Bringing Life and Excitement into a Room.

Tax Benefits + Equity

In addition to having more space for your lifestyle, you have the advantage to build equity and unlike rent payments, the interest you pay with your mortgage payments can be tax-deductible. In other words, you don’t have to make another monthly payment without building up any equity.

Equity is important because you can use it later on to pay for home improvements, pay off high interest rate debt, or whatever else you might need. Plus, home values are also going up, which means you gain more equity faster.


Why rent when you could own for the same monthly payment, or maybe less. Even though real estate prices differ in every community, renting is often more expensive than you might think. If you’re considering purchasing a home, now is the time to do so while rates are still low. Interest rates factor into the amount of your monthly mortgage payment, so a lower rate usually means a lower payment - making it more cost-effective to buy.

Check out today’s mortgage rates and try our easy-to-use Home Loan Calculator to see what works best for you and your situation.

Learn more about the different types of mortgage rate options.

Let’s take a look

Here’s an example of how your $1,325* monthly rent could be the same monthly payment on a $250,000 home:

20% DOWN PAYMENT: $50,000
LOAN AMOUNT: $200,000

Payment Breakdown Amount
Principal & Interest (P&I) $955
Real Estate Taxes Estimated $250
Insurance $120

Back Next - Exploring Your Mortgage Options

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 mortgage 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.

Additional Resources:

*The above is provided for informational purposes only. Based on a 30 year fixed APR 4.039%. Based on an original loan of $200,000 at 4.039% for 30 years. Not a commitment to lend. Loans available for qualified borrowers. Rates and terms subject to change without notice.

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