When working with PFS, Inc., you will be offered a variety of tools, information, and programs designed to make funding your next home easier than ever. Our mortgage professionals will provide you with clear communication throughout the loan process so you can focus on your upcoming move. So whether you are buying your first home, buying your next home or a second home, or you are a real estate investor, PFS, Inc. will find you the best program that will help you accomplish all of your goals.

Are you ready for homeownership?

  • Are you sure you want to buy a home? Yes = 1 point
  • Do you anticipate any large expenses over the next two years, such as buying a car, or having kids? No = 1 point
  • Do you expect to keep your current job for the next two years, or have continued employment for the next two years? Yes = 1 point
  • Do you expect to stay in the same location for the next three to five years? Yes = 1 point
  • Do you know how much you realistically can afford to pay for housing? Yes = 1 point
  • Do you have favorable credit? Yes = 1 point
  • Do you have enough money for a down payment and closing costs? Yes = 1 point
  • Have you been pre-qualified for a mortgage so you know how much you can borrow? Yes = 1 point
  • Do you have a lot of monthly debts? No = 1 point
  • Does the amount you can borrower allow you to purchase a house you can truly enjoy? Yes = 1 point

If you scored 8 points or more, you’re ready to buy a home!!

Get Pre-Qualified for your loan today!

Get Pre-Qualified

Buying vs. Renting

  • Part of every monthly mortgage payment goes towards the principle balance = with every payment you own more of your house. Renters never get back any of their rent payments.
  • A homeowner’s monthly payment does not change, while renters face annual rent increases.
  • A large portion of monthly mortgage payment is tax deductible. (Can deduct up to $750,000 in mortgage debt)
  • A homeowners payments will eventually stop.
  • Any increase in home value belongs to the homeowner. Rents receive none of that profit.
  • Homeowner’s can design, decorate and alter their homes virtually anyway they want, while renters suffer major restrictions.

Contact us today for more information!

Real Estate Investors

If you're a real estate investor, PFS, Inc. can help you take advantage of opportunities in today's market with financing for multiple properties. Our standards are as follows;

Up to 4 unit Properties:

  • Finance up to 97% loan-to-value for 1 property
  • Finance up to 85% loan-to-value for 1-2 unit properties, 75% loan-to-value for 3-4 unit properties
  • A variety of loan programs available to meet your needs 
  • In order to qualify, you'll need a minimum mid-FICO score of 620, and have 2 months reserves (Principal, Interest, Taxes, and Insurance) for all properties.

Over 4 unit Properties:

  • Finance up to 75% loan-to-value
  • A variety of loan programs available to meet your needs
  • Finance up to 10 properties 
  • In order to qualify, you'll need a minimum mid-FICO score of 720, and have 6 months reserves (Principal, Interest, Taxes, and Insurance) for all properties.