Unless you are in a position to pay all cash for your home, you will need to obtain a home loan (mortgage) to complete the purchase.

Being pre-approved for a loan before you submit an offer will put you in a stronger negotiating position and can save time in the loan approval process. Berkshire Hathaway HomeServices Biros Real Estate can put you in touch with experienced loan officers at leading mortgage companies. Your loan officer will be your principal guide through the financing process. You can expect the lender to ask for standard information regarding your income, expenses and obligations. Various financing options may be available to you, including:

Fixed Rate Mortgage

Adjustable Rate Mortgage (ARM)

Government-assisted (FHA or VA) financing


Click on the link below to help you understand and start you on the right path to buying your next home:

Understanding your credit score

What can you afford?

Estimate of Costs

Glossary of Terms

Monthly Payment
Principal & Interest
Monthly Taxes
Monthly HOA
Monthly Home Ins.
Monthly PMI