It's no secret that buying a home can be extremely overwhelming. Not to worry! Our experienced loan officersprovide us with useful tips to be informed about before purchasing your dream home.

Keep the following suggestions in mind as you start your search:

Establish a budget

Based on your income and other factors, find out how much house you can afford.Wewill gladly take you through the preapproval process(es) to determine your budget.


Check your credit history

Lenders will use your credit score, which is a three-digit figure that determines your payment history, to figure out the best loan rates. You can get a free credit report once a year from the credit reporting bureaus of Equifax, Experian and TransUnion.

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Save for a down payment

Once you know how much house you can afford, start saving for a down payment. Depending on the loan program you choose, the down payment could be between 0% - 20% down.

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Search diligently

Be sure look at all factors affecting the home such as good school districts and vibrant local economies.

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Make a good offer

Look at homes that recently sold in the neighborhood to get an idea of what you might want to bid. Make your offer quickly as desired homes tend to get many bids.


The home buying process doesn't have to be a maze of confusion. We specialize in getting you the right mortgage for your budget. If you're a current homeowner, you can also rely on us for refinancing. Reach out to us today!


About Premium Mortgage

Headquartered in Rochester, New York,Premium Mortgage Corporationserves residential real estate markets across upstate New York, Florida, Vermont, Massachusetts, Connecticut, Pennsylvania and Ohio. Since opening in 1999, the company has grown to over 100 employees and attributes its success to matching mortgage financing to individual clients' needs, while also giving excellent customer service to real estate agents in the community. For ongoing mortgage news, please visit: and follow Premium onFacebook,Twitter, andInstagram.