A couple unpacking moving boxes

Purchase

You’ve Decided to Purchase a New Home, Now What?


Homebuying is an exciting time, but it can also be confusing and stressful. We’re here to help.

Whether you’re a first-time homebuyer or you’ve purchased a home before, KFS Mortgage Company will guide you through the entire process from pre-approval to closing so that you can buy your home with confidence.

Our experienced mortgage team will answer all your questions, compare the pros and cons of each loan option, and help you select the best mortgage to buy your first or next home.

Read on for more information about how KFS Mortgage Company can guide you through the homebuying process.

How Do I Get Pre-Approved for a Mortgage Loan?


Your dream home might not last long, so getting pre-approved for a mortgage is important. KFS Mortgage simplifies the pre-approval process with our free, fast, and easy-to-use online application. Learn more about the pre-approval process

First-Time Homebuyers

 
If you have not owned a home for the most recent three years, you are considered a first-time homebuyer. First-time homebuyers may be eligible for mortgage loan programs with low fixed interest rates and little to no down payment requirement.  Learn more about first-time homebuyer programs.
 
Primary Residency Homes

Whether you're buying your first home, moving to Maine, relocating, or downsizing, you can trust our experienced loan officers to help you select a home mortgage that fits your needs. We offer mortgages for single-family homes and two to four-unit homes. In addition, if you are willing to take on landlord responsibilities, rent paid by tenants can help with your mortgage payment. 

Vacation & Second Homes

 
Maine has a wide variety of beautiful four-season second homes, including lakeside homes, ski condos, and other vacationland properties. If you’re interested in purchasing a second home, let our trusted mortgage professionals help you.

You can count on KFS Mortgage Company to provide reliable resources, mortgage loan guidance, and assistance throughout the home-buying process. Properties must be suitable for year-round use and meet certain requirements. 

2-4 Unit Homes


Two to four-unit homes are an attractive option. If you are willing to take on landlord responsibilities, rent paid by tenants can help with your mortgage payment.

Manufactured Homes

 
With fixed-rate mortgage options, purchasing a manufactured home is a great way to become a homeowner with little to no down payment. We offer financing for single-wide and double-wide mobile homes and more. Your manufactured home must be permanently affixed to land.  If you do not already own land, we can include that in your mortgage loan.

Now that you know a few of the basics about purchasing a home in Maine, you may want to know the next steps.  We are here to guide you through the entire process from start to finish. 

Feel free to reach out to our team of experienced mortgage experts. Contact us for a free consultation.
 
You can also download our Purchase Application Checklist for easy reference.