Buy a house

Becoming a homeowner is an incredibly rewarding experience. The problem - the process can seem never-ending and even daunting. However, with the advancement of mortgage technology, the process of buying a home is easier than ever, and the benefits are still just as extraordinary.

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Today's rate
Other Local Bank 16.500%+1.501%
Other Local Bank 26.375%+1.376%
We are committed to making this experience simple and enjoyable from beginning to end. We've streamlined our process to ensure that buying your home is as smooth and stress-free as possible.

Our process:


Let’s have a no-pressure conversation about your home buying, selling, or refinancing goals. Our objective is to educate you on the mortgage process. Knowledge is power.


Once you’re ready we will take a look at your credit, income and assets to provide a pre-approval letter. We will also quote you a rate. We are proud of our rates.


Whether you are using a Homer Agent or a different one, it’s time to explore and find your dream home.

Why Should I Buy?

It’s normal to have reservations about making the big leap into becoming a homeowner. That is why it’s important that you know what you’re getting into. Tom Brokaw said it best when he coined the phrase, “The more you know.” Below are just some of the incredible benefits of being a homeowner.


There is no better feeling than freedom: the home is yours to do what you want with. Paint the walls, hang decor, plant flowers, knock down a wall, the options are endless (and Home Depot becomes your best friend).


The numbers are growing. National home prices increased 6.7% year over year in September 2020, according to the latest CoreLogic Home Price Index (HPI®) Report. The September 2020 HPI gain was up from the September 2019 gain of 3.5% and was the highest year-over-year gain since May 2014


Maintaining a stable home life balance is essential. It allows your family to build long-lasting relationships in the community with the benefit of educational and social longevity.


When you rent, you are paying someone else’s mortgage. When you own, every payment goes into buying down the mortgage, closer to owning the home. The best way to put it is every month you make your mortgage payment, it’s like putting it into a bank account.


Unlike renting, a fixed-rate mortgage (typically 30 year) will never rise in payment, keeping your housing costs the same month over month, year over year. Keep in mind, property taxes and insurance costs can increase.

Tax Benefits

Tax benefits. The U.S. Tax code allows you to deduct the interest you pay on your mortgage, property taxes, and other costs involved in buying a home.

Your home is where you make it. Here at Homer, we take pride in knowing every day our customers are one step closer to achieving their dream of homeownership.
Our goal

Experience Homer on your own.

Mortgage made even easier

Rate offered on website is not guaranteed if you do not meet Homer’s lending criteria, including your credit worthiness, income and employment history. Not all applicants will qualify for the displayed rate. Your exact loan's interest rate and payments will depend upon the term of your loan, your credit history, employment, down payment and other factors. To qualify for a mortgage, borrowers must be U.S. citizens (or permanent residents), and meet Homer’s Investor requirements. Loans valid for the refinance or purchase of an owner-occupied residence. Loan amounts must be at or under conforming loan limits within your state and county. Rate subject to change depending time of rate lock.
Sample display rate as of 2021-08-08. Interest rate based on a $200,000 loan amount with a 30-year fixed rate and 2.956 APR at 80% loan-to-value (LTV) and 1.5 discount points.
*The national average mortgage rate is based on Bankrate’s latest survey of the nation’s largest mortgage lenders, the benchmark 30-year fixed mortgage rate is 2.960 percent with an APR of 3.210 percent. Sample rates as of 2021-08-08.
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