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Home Buying Guide

One Day This Will All Seem Possible. ONE Day Is NOW.

Where to begin. What to look for. And what to do when you find the home of your dreams. ClearWater Homes provides this home buying guide to help make sense of the unfamiliar and simplify the process of buying your new home or loft. With articles, tips, tools, and answers to frequently asked questions, this guide is a great way to get started and make sure you’re not overlooking anything.

Not usually. In most cases, the cost of purchasing a new home is the same or slightly higher than buying a similar resale home.
We do keep an updated list of available homes and lofts on our website here ›

However, our inventory changes rapidly, so we advise you to contact us if you want the most accurate up-to-date information.

Yes. Please contact us to schedule a showing. You can also see our virtual tours online.

Yes. If you would like to get email updates about new homes and lofts when they become available, you can sign up here ›
Yes. We partner with Citywide Home Loans and Celtic Bank to offer our customers extremely competitive rates.

Click here to learn more >

Borrowers with high FICO scores — the top tier ranges between 760 and 850 — can expect lenders to offer them lower interest rates and more loan choices. Scores of 620 or lower usually place a borrower in the “subprime” category, and they can expect to be quoted significantly higher interest rates and may be offered fewer varieties of loans. A FICO score of about 500-520 is generally the minimum that will qualify for a mortgage.

The most common mortgages are fixed- and adjustable-rate mortgages.

Fixed-rate mortgages offer the stability of regular monthly payments over a given length of time, or term. Many people feel these are ideal because they make it easy to budget family finances and there is no rate risk.

Adjustable-rate mortgage (ARM) programs offer you the flexibility of an initial interest rate and payment lower than a standard fixed-rate mortgage. ARM mortgages may also be a great option for home buyers who do not plan to stay in their current home for a long period of time.

You can simply contact your lender to get started or get in touch with us and we can connect you with one of our local preferred lending partners.


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