Are You a First Time Home Buyer?

Birmingham Bancorp is the Proud Sponsor of the American Dream

Congratulations!

You've decided to buy your first home and you're now on your way to the American Dream. At Birmingham Bancorp we've helped thousands of clients make that dream a reality. Almost 65% of all Americans own, rather than rent, their homes. Here's just some of the reason's why:

You build equity in property, which you can sell at a profit later.

You can deduct mortgage interest and property taxes on your tax return.

You are protected against rent increases.

You often get more living space for less money.

You can borrow against the equity in your home for other purposes.

Down Payment Assistance Programs

Buying a home has never been easier. According to the experts, the biggest single barrier to home purchase is the down payment. But at Birmingham Bancorp we have a wide range of home buyer loans with little or no money down. In fact, we have available a wide range of government approved down payment assistance programs that can even help to pay the closing costs.

Less than Perfect Credit

Qualifying has never been easier either. If you have perfect credit, that's great. You'll qualify for our best rates. But even if you have less than perfect credit we have programs to get you into the house you've always wanted. We even have programs that don't require any credit score at all.

Why wait? The sooner you call Birmingham Bancorp Mortgage, the sooner you'll be in your new home.

Trying to decide how much house you can afford?

You can use this calculator to estimate the maximum price you can afford to pay for a first-time purchase. And if you are trying to decide whether you should save more money first, you can use this calculator to determine whether you would be better off buying now or saving up a larger down payment.

Get approved first

Smart Home Shoppers know the advantage of being pre-approved when they make an offer. Why not contact us now for a free pre-qualification. There's no commitment and you'll know exactly how much house you can afford. Knowing that you're already pre-approved tells both your Realtor and the Seller that you're serious about buying a home.

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