You do NOT need 20% down to buy a house
Wondering how much house you can actually afford? The answer depends on more than just the price of the home. Down payment, interest rate, debts, income, credit, taxes, and insurance can all play a role in determining your estimated monthly payment and buying power.
And here's the good news: you may not need 20% down to get started. Depending on your loan options and qualifications, there may be programs available with much lower down payment requirements.
Want to get a better idea of what your monthly payment could look like and how much home may fit your budget?
Our Offer
The Almond Tree Experience
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Outstanding Communication and Follow-up: Stay informed with timely updates and prompt responses to your queries.
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Professional Support: Navigate the mortgage process with expert guidance to avoid common pitfalls.
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Competitive Low Rates: Secure the best possible rates tailored to your financial needs.
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Close Your Loan on Time: Ensure timely closing of your loan with our dedicated support throughout the process.
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First-Time Home Buyers: We simplify the home buying process, guiding you through each step to secure your mortgage approval.
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Move-Up and Second Home Buyers: Get answers to all your questions about purchasing a new home while owning another.
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Refinancing Home Owners: Save money with lower interest rates or access cash from your home equity.
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Investment Buyers: Maximize your ROI with low-rate financing options for investment properties.
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Seniors Seeking Reverse Mortgages: Explore options to stay in your home without mortgage payments or access your home’s equity.
Who We Help
What Our Clients Say
Customer Reviews
Working with Karstin was such a great experience. I came to her at the last minute for help in getting a home loan, and she jumped in to assist right away. She was so responsive and helpful in walking me through the steps to complete the process. The process went so quickly and smoothly. I can’t thank her enough!
- Olivia Dopler
Karstin was a pleasure to deal with! I knew from the first time I send her an email and got a response late on a Sunday evening that she would make the refinance process painless for me. She was extremely responsive to any questions or concerns I had throughout the process and worked to make things as easy as possible for me. I would definitely recommend her for your mortgage needs!
- Dustin Anderson
We are so extremely pleased with the speed, professionalism, great rates and ease of document submission with Karstin and her team. After working with another company for more than 7 MONTHS, we decided to work with Karstin Hickerson and her team at Almondtree Mortgage. Not only were they friendly, professional, and responsive, but they kept us in the loop through the entire process. We closed in less than 21 days!!! We would HIGHLY recommend Karstin Hickerson and Almondtree Mortgage for all of your Mortgage needs! 5 Stars just doesn't come close to the rating we would give them!
- Dolores Mejia
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Estimates are for informational purposes only and may vary by lender, credit, taxes/insurance, and HOA. Not a loan offer.
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