Purchase Your Dream Home with Beam
Buying a home is one of the most exciting milestones in life—and one of the most significant financial decisions. At Beam, we’re here to guide you through every step of the mortgage process, ensuring you have the information and support needed to secure the best financing for your new home.
Your Homebuying Journey, Simplified
1. Pre-approval
Start your journey with a pre-approval to understand your buying power and show sellers you're a serious buyer.
2. Find the right loan
We'll explore loan options that align with your needs—whether it’s a fixed-rate mortgage, variable-rate mortgage, or specialty products.
3. Secure your mortgage
Once you've found your home, we’ll help you complete the application, navigate paperwork, and finalize the loan quickly.
4. Close with confidence
With everything in place, you'll be ready to close on your new home and start the next chapter of your life.
Do I qualify?
To qualify for a mortgage, lenders typically require that you have a debt-to-income ratio of "43/49." This means that no more than 43% of your total monthly income (from all sources, before taxes) can go toward your new mortgage payment, and no more than 49.99% of your monthly income can go toward your total monthly debt (including your mortgage payment). VA and FHA loans even allow for higher debt ratios on a case by case basis.
Start your journey today
Your dream home is closer than you think! Let us help you find the perfect mortgage solution to make it a reality.