Danny with Affiliated Mortgage
Affiliated Mortgage

Danny Battochio
Loan Officer – NMLS # 1484802
West Main Street Suite 2
Rapid City, SD 57702
Direct Line: 605-721-9177
Cell-605-206-0737
Email: [email protected]

$6.2 Million Existing Homes Sold In 2018

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Affiliated Mortgage - Your Trusted News Source

Hello Mortgage World!

I’m excited to have the privilege of kicking off our new revamped digital website here at Affiliated Mortgage (htttps://blairallen.wpengine.com) with our monthly newsletter. With just a little over 2 years on the Affiliated team, I’ve had a great journey so far of being able to help many clients realize their dreams of homeownership and others with their financial needs. This journey always brings me back to the summer of 2013 when I bought my first home. I was excited and happy to jump into the investment and put my big boy pants on. Like a lot of first timers (me at that time) I didn’t really know anything about the process of buying a home. I counted on my realtor (Stuart Martin – Remax) and my financial guru (Vern Burress – Affiliated Mortgage) to get me into a home. Looking back now and not knowing this at the time, these guys played a significant role in my success in becoming a homeowner. With that said, I figured this would be a great opportunity to shed some light on those who may be looking at buying their first home. Like in all walks of life, knowledge and preparation is the key. Below are some very important financial tips to keep in mind as you look to become successful home owners.

Knowing What Your Credit Profile Looks Like

Nothing is more important than your credit profile when it comes to buying a new home. A good clean profile can help speed up the process while also saving you lots of money down the line. If you’re thinking of buying within the next 3-6 months timeframe, it would be a great idea to make an appointment with one of our loan officers to see what you need to do, if anything, to put yourself into the ideal home financing position. In certain situations, putting yourself into the right situation may mean paying down some debt to fit a desired loan program. Sometimes this process can take time, so ask the questions ahead of time to avoid any roadblocks or disappointments down the line.

Knowing What You Can Realistically Afford

By starting the home buying process at an early stage, it will allow you to establish and become more familiar with the market in your area. There are always important questions you need to ask when it comes to finding out how much you can afford. Educate yourself on what your payments include and what other cost will be associated with owning a home (closing cost, utilities, HOA, projects after taking ownership, etc.). Having a clear picture of what you are able to pay for, month-by-month is essential so you can confidently proceed with becoming a homeowner and continue your home search.

Be Patient

Chances are the purchase of a home is the most important financial decision you will ever make, especially if you’re a first time home buyer. There are many different paths to homeownership and we want to make sure you are informed and have made the right decisions. Take everything one step at a time, be patient, and we will provide you with all the tools you need to successfully become a home owner.

Remember, no one person is in the same situation when it comes to being approved for a home loan. Every situation is different and so is every experience. Please feel free to reach out to us to help you enjoy a successful journey to home ownership as we continue to lead our community and push the boundaries of making the process of financing a home simple and easy for all our clients.

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