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Ready to Buy a Home

Realizing the dream.

Estimate Your Payment   ➤

The dream of owning a home is realized by more people every year. If you are planning to buy your first home or are moving to a new home – let Mill City help you navigate your way through the process. Our First Time Home Loan Program may make home ownership more attainable than you think!

Buying a home is one of the biggest purchases most people ever make. The purchase of a home can improve your financial outlook by giving you the opportunity to build equity and receive potential tax write-offs. On the other hand, many decisions have to be made during the home buying process in unfamiliar areas, including mortgages and home sales contracts. Since buying a home can be overwhelming, we want to be the resource that makes it easier for you.

Assess your readiness to buy

Are you financially prepared to buy a home? What can you afford? Is now the right time? There are many questions to ask before buying a home. You’ll want to have a financial plan that accounts for mortgage payments, as well as the expected cost of owning a home such as repairs, property taxes, and homeowners insurance.

What can I afford?

Make sure the home’s price tag and the mortgage loan you choose are right for your budget. For help determining how much house your monthly budget will get you, we’ve provided you with a simple Mortgage Loan Calculator and many more mortgage calculators.